Sawyer.pdf

Vincent P Sawyer Petitioner V Township Of Mills Respondent · 26-001301-TT

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APR 27 2026 

STATE OF MICHIGAN 

MICHIGAN TAX TRIBUNAL 

GRETCHEN WHITMER 

DEPARTMENT OF LICENSING AND REGULATORY AFFAIRS 

MARLON |. BROWN, DPA 

GOVERNOR 

LANSING 

DIRECTOR 

PROPERTY TAX APPEAL PETITION FORM 

VALUATION / UNCAPPING 

Do not use this form to appeal Classification, Principal Residence Exemption, Qualified Agricultural Exemption, Other 

Exemptions, Special Assessments, or Non-Property tax disputes. 

Pursuant 

to Tax Tribunal Rule (TTR) 279, you MUST submit a copy of the notice giving rise to the appeal (i.e., Board of 

Review Decision or other notice) with this petition, if applicable. 

If you do not submit this document, you may be held in 

default. 

Section 1: Petitioner’s Contact Information 

First Name 

M.l. 

Last Name/Company Name 

Vincent 

P 

Sawyer 

Mailing Address (No., Street, P.O. Box or Rural Route) 

2124 Shoreline Dr 

City or Town 

State 

ZIP Code 

Lapeer 

Mi 

48446 

Telephone Number 418-230-0748 

Email Address (do not enter unless you want MTT to send all correspondence via email) 

hammer797@yahoo.com 

Section 2: Petitioner’s Attorneyifsitharizod Representative’s Contact Information 

First Name 

Last Name 

Firm Name (if any) 

Mailing Address (No., Street, P.O. Box or Rural Route) 

City or Town 

State 

ZIP Code 

Telephone Number 

Email Address (do not enter unless you want MTT to send all correspondence via email) 

Section 3: Su bject Property Information *use the multiple parcel form for additional, contiguous parcels. 

How many parcels are you 

If you are appealing more than one parcel, are they contiguous or adjoining? 

appealing? 

J Yest 

[J Nox 

**If No, you must 

file separate appeals for each parcel 

Property Address (No., Street) 

2293 Deer Ave 

City or Town 

County 

State 

ZIP Code 

Prescott 

Ogemaw 

Mi 

48756

STATE OF MICHIGAN 

GRETCHEN WHITMER 

DEPARTMENT OF LICENSING AND REGULATORY AFFAIRS 

MARLON I. BROWN, DPA 

GOVERNOR 

LANSING 

DIRECTOR 

Section 4: Check which of the following you are appealing (checkall that apply) 

[4 True Cash and Taxable Value 

[0 Taxable Value Only (calculation) 

[J Uncapping of Taxable Value 

Section 5: Explain the Reason for this Appeal 

The property was appraised two years ago at $48,000.00 and 

| was going to sell in 

2025 so 

| has it appraised again and it came back at $50,000.00. 

| dont think it is worth 

more than that. 

| beleive the Assessor has property to high. 

There have been no updates to the property since 1995. The home needs a new roof, 

etc. 

Section 6: Jurisdictional Issues 

Did you protest the assessment at a Board of Review (BOR)? [0] Yes 

[V4] No 

If Yes, check which BOR you attended: 

[y/] March 

[J July 

[] December 

If No, please check the applicable reason(s): 

[7] Not required to attend 

0 Appealing a purported Clerical Error or Mutual Mistake of Fact (if yes, include explanation in Section 5) 

|| Appealing within 35 days of State Tax Commission Order 

=H Appealing within 35 days of receipt of Notice of Uncapping 

Other 

If you checked “other” above, explain:

Ro Et 

VE 

STATE OF MICHIGAN 

GRETCHEN WHITMER 

DEPARTMENT OF LICENSING AND REGULATORY AFFAIRS 

MARLON I. BROWN, DPA 

GOVERNOR 

LANSING 

DIRECTOR 

Section 7: Valuation Information *use the multiple parcel form for additional, contiguous parcels. 

Parcel Number: 010-320-015-10 

Classification of Property: 

Real] 

Personal [J (check one) 

Agricultural 1 

Commercial] 

Industrial [J 

Residential @ 

 Timber-Cutover J 

~~ Developmental 

J 

Utility 

(J (check one) 

Assessed Value (also known as State Equalized Value) established | Taxable Value established by the Board of Review: 

by the Board of Review: 34,600 

30,477 

What do you believe is the fair market value (also known as true cash value)? 

50,000.00 

What do you believe is the assessed value? (multiply true cash 

What do you believe is the taxable value? (cannot exceed 

value by .5) 

25.000.00 

assessed value) 21 ,000.00 

Fee Information 

Does the property have a Principal Residence Exemption of at least 50% as of the date of the filing of this petition for all tax years at 

issue? 

[J Yes 

1 No 

If you answered yes to the above question, you are not required to pay any filing fees. 

If the property does not have a Principal Residence Exemption of at least 50% as of the date of the filing of this petition for all tax years at 

issue, the filing fee Is based on the greater of the State Equalized Value or Taxable Value in dispute. 

If you are appealing more than one 

parcel, the parcel with the highest State Equalized Value or Taxable Value in dispute will be used to determine your filing fee, plus $26.00 

will be added for each additional parcel being appealed, not to exceed a total filing fee of $1,000.00 

If your property is residential property (see MCL 205.762) and 

the State Equalized Value or Taxable Value in contention is: 

Filing Fee is: 

$100,000.00 and under 

$125.00 

$100,000.01 to $500,000.00 

$200.00 

$Over $500,000.00 

$300.00 

Ifthe property is 

NOT residential property (see MCL 205.762) and 

the State Equalized Value or Taxable Value in contention is: 

Filing Fee is: 

$100,000.00 and under 

$250.00 

* Plus $25.00 for each additional parcel, as indicated above. 

If the property is 

NOT residential property and the State Equalized Value or Taxable Value in dispute is $100,000.01 or greater the 

appeal does not qualify for Small Claims. Therefore, an Entire Tribunal petition must be filed. 

Signature reqing 

Wabi 

rney/Authorized Representatives Signature: 

7; 

/ 

ist | 

: 

AN 

ZZ

~ APPRAISAL REPORT ~~ 

OF 

2293 Deer Ave 

Prescott, MI 48756 

PREPARED FOR 

Northland Area Federal Credit Union 

1161 N Bagley Street 

Alpena 

, MI 49707-9800 

AS OF 

11/18/2025

Gladwin-Clare County Appraisal Service 

File No. 

 2293deer 

-Case No. 1415085107 ome. 

Page Title 

Summary of Salient Features 

Appraisal Compliance Addendum 

URAR Page 1 

URAR Page 2 

URAR Page 3 

URAR Page 4 

URAR Page 5 

URAR Page 6 

Extra Comps 4-5-6 

UAD Definition of Terms 

UAD Definition of Terms p2 

UAD Definition of Terms p3 

Photo Subject 

Photo Subject Extra 

Photo Subject Extra 

Photo Subject Extra 

Photo Subject Extra 

Photo Subject Extra 

Photo Subject Extra 

Photo Subject Extra 

Photo Comparables 1-2-3 

Photo Comparables 4-5-6 

Comments 

Comments Page 2 

Comments Page 3 

Comments Page 4 

12 Month Sales 

24 Month Trend Graph 

Sketch 

Square Footage Calculations 

Table of Contents

Gladwin-Clare County Appraisal Service 

SUMMARY OF SALIENT FEATURES 

File No. 

2293deer 

Subject Address 

Legal Description 

See addendum 

City 

Prescott 

County 

Ogemaw 

State 

Mi 

Zip Code 

48756 

Census Tract 

0001.02 

Map Reference 

007 

Sale Price 

$ 50,000 

Date of Sale 

10/31/2025 

Owner 

Sawyer Vincent P 

Client 

Northland Area Federal Credit Union 

Size (Square Feet) 

1,002 

Price per Square Foot 

$ 49.90 

Location 

N;Res; 

Age 

65 

Condition 

C4 

Total Rooms 

5 

Bedrooms 

1

Gladwin-Clare County Appraisal Service 

APPRAISAL COMPLIANCE ADDENDUM 

55%, 22%eer 

Borrower/Client 

_Steven Davis 

Address 2293 Deer Ave 

E 

Unit No. 

City 

Prescott 

County Ogemaw 

Stale MI 

ZipCode 

48756 

<{-Lender/Client 

Northland Area: Federal: Credit 

Union-——————_—.. 

come 

a 

mm 

ne 

This Appraisal Compliance Addendum is included to ensure this appraisal re 

ARPRAISALL AND RERORT/ IDENTIFICATION: 

This Appraisal Report is one of the following types: 

| Appraisal Report 

This report was prepared in accordance with the requirements of the Appraisal Report option of USPAP Standards Rule 2-2(a). 

Restricted Appraisal Report 

This report was prepared in accordance with the requirements of the Restricted Appraisal Report option of USPAP Standards Rule 2.2(b). The 

intended user of this report is limited to the identified client, This is a Restricted Appraisal Report and the rationale for how the appraiser arived 

atthe opinions and conclusions setforthin the report may notbe understood properly without 

the additional information in the appraiser's workfile. 

meets all USPAP 2014 

ADDITIONAL CERTIFICATIONS: 

¥ 

 cerlify that, to the best of my knowledge and belief: 

* 

The statements of fact contained in this report are true and correct 

* 

The reported analyses, opinions, and conclusions are limited only by the reported assumptions and are my personal, impartial, and unbiased professional analyses, 

opinions, and conclusions. 

* 

Unless otherwise indicaled, 

| have no present or prospective Interest in the property thatis the subject of this report and no personal interest with respect to parties involved| 

* 

Unless otherwise indicated, | have performed no services, as an appraiser orin any other capacity, regarding the property that is the subject of this report within the three-year 

period immediately preceding acceptance of this assignment. 

* 

Ihave no bias wilh respect to the property that is the subject of this report or the parties involved with this assignment. 

* 

My engagement in this assignment was not contingent upon developing or reporting predetermined results. 

"My compensalion for completing this assignment is not contingent upon the development 

or reporting of a predetermined valus or direction in value that favors the cause 

of the client, the amount 

of the value opinion, the altalament of a stipulated resull, or the occurrence of a subsequent event directly related to the intended use of 

this appraisal, 

* 

My analyses, opinions, and conclusions were developed and this report has been prepared, in conformity with the Uniform Standards of Professional Appraisal Practice that 

were in effect at the time this report was prepared. 

© 

Unless otherwise indicaled, | have made a personal inspection of the property that is the subject of this report. 

* 

Unless otherwise indicaled, no one provided significant real property appraisal assistance to the person(s) signing this certification (if there are exceptions, the name of each 

individual providing significant real property appraisal assistance is stated elsewhere in this report). 

This report 

has been prepared in accordance 

with Tille XI of FIRREA as amended, and any implementing 

ERIORISERVIGES 

} 

ht 

: 

Ihave NOT performed services, as an appraiser or in another other capacily, regarding the property that is the subject of the report within the three-year period 

immediately preceding acceptance of this assignment. 

* (| IHAVE performed services, as an appraiser or in another capacity, regarding the property that s the subject of this report within the three-year period immediately 

preceding 

lance of this assignment. Those services are described in the comments below. 

regulations. 

Unless olhenwise noted, no one provided significant real property appraisal assistance to the person signing this certification. If anyone did provide significant assistance, they 

are hereby identified along with a summary of the extent of the 

assistance provided in the report. 

See Addendum 

ADDITIONALL COMMENTS: 

; 

Additional USPAP related issues requiring disclosure and/or any stale mandated requirements: None 

MARKETING TIME AND EXPOSURE TIME FORTHE SUBJECT. PROPERTY: 

Hi 

5 

Areasonable marketing time for the subject property is 10-90 

day(s) ulifizing market conditions pertinent to the appraisal assignmen 

Areasonable exposure lime for the subject property is 

10-90 

day(s). 

ABRRAISER' 

2 

SURERVISORY. APPRAISER (ONLY:(F REQUIRED)

Gladwin-Clare County Appraisal Service 

File No. 

 2293deer 

i 

. 

i 

i 

Case No. 

1415085107 

Uniform Residential Appraisal Report 

The 

purpose 

of this appraisal report is to provide the lendericlient with an scourale, and ade 

inic 

arke 

arty. 

| 

Property Address 2293 Deer Ave 

City 

Prescott 

Stale 

MI 

ZipCode 

48756 

Borrower ~-= 

—— Steven Davis--—-—:———QOuwner 

of Public Record — 

—-Sawyer Vincent P——— 

——Counly-———-Ogemaw- —-|- 

Al 

Legal Description See addendum 

Assessor's Parcel# 

010-320-015-10 

Tax Year 

2024 

RE, Taxes § 

1,419 

Map Reference 

007 

Census Tract 

0001.02 

0 

[1 

PUD 

HOAS 

[1] 

[Toeryear 

per month 

Other (describe) 

Lender/Client Northland Area Federal Credit Union 

Is the subj 

Address 1161 N Bagley Street, Alpena 

, MI 49707-9800 

ect property currently offered for sale or has it been offered for sale in the twelve months prior 

fo he effective dale 

of his 

appraisal? 

110/31/2025; Subject has no MLS# or listing found, This is a tenant purchase. 

1 [XJod T_T aid notanalyze the contract for sale for the subject purchase transaction, Explain the results of the analysis of the contract for sale 

or why the analysis was not 

performed. 

Non-arms length sale;Buyer is tenant of the seller. Standard style FSBO contract analyzed. 

il 

ConlractPrice$ 

50,000 

Daleof Contract 10/31/2025 Is the property 

seller he ownerof public record? |X [Yes ["TNo Data Sourcels) 

Tax Roll 

Is there any financial assistance (loan charges, sale concessions, gift 

or down payment assistance, ele.) to be paid by any party on behalf 

of the borrower? 

[_] Yes 

[XINo 

If Yes, report the total dollar amount and describe the items lo be paid. $0;; 

Note: Race and the racial composition of the neighborhood are not appraisal factors. 

[EE 

NearGorhood 

Cia 

SR 

GING 

as 

STB 

Freed 

i 

pest 

Location |_| Urban 

Suburban| X | Rural 

PropertyValues |_| Increasing 

[X 

Stable 

[Declining 

| PRICE 

AGE _| One-Unit 

80 

_% 

a) 

Built-Up 

Over 75% | X | 25-75% 

Under 25% | Demand/Supply 

| X | Shortage 

InBalance| 

_lOverSupply | $ (000) 

(yrs) | 2-4 Unit 

1% 

24 

Growlh 

Rapid 

X | Stable 

Slow 

Marketing Time | X | Under3ms [13-6 mths 

Over6mihs| 38 

Low 

10 | Multi-Family 

1 

% 

Neighborhood Boundaries North of Spratt Rd, East of Jacks Landing Rd, South of M-32, Westof SM-65| 

85 

High 

140 | Commercial 

1% 

51 

Pred. 

60 

| Other vacant 37 

% 

Neighborhood Description Area of mixed single family 

homes of varying 

value and design. Typical neighborhood makeu 

wilh no evident negative 

influences. The styles and size of homes in the neighborhood vary. The area is located with short drive to shoppin 

employment and recreational 

aclivities. Schools are a short drive depending on which schools attending. 

Market Conditions 

(including 

support 

for the above conclusions) Interest rates are in the 3.5-8% range depending 

on terms and conditions of loan 

requested. Concessions are minimal in this market. Market conditions are stable with mortgage money 

readily 

available, Su 

is low in this 

market and showing 

a sellers market. No list to sale ratio differences currently 

due to low listing 

inventory 

causin 

competitive offers. 

Dimensions 

140x180 

Area 

25200 sf 

Shape 

Rectangle 

View 

N:Res; 

Specific Zoning Classification 

R-1 

Zoning Description_Residential 

Zoning Compliance 

{XJieqal[] Legal Nonconforming (Grendrathered Use) | |No Zoning | |ileqal (describe) 

Is tho highest and best use of subject 

property 

as 

improved (or as 

proposed 

per plans and 

specifications) the present use? 

[X [Yes || No If No, describe, 

Utilities 

Public _Other (describe) 

Public 

Other (describe) 

Off-site Improvements--Type 

Public 

Private 

Electricity 

|X 

Water 

X | Individual Well 

Street Gravel 

X 

Gas 

X 

Sanitary Sewer 

X | Septic System 

Alley 

None 

FEMA Special Flood Hazard 

Area 

Yes 

|X 

[No FEMA Flood Zone 

x 

FEMAMap# 

Not Mapped 

FEMA Map Date Not Mapped 

Are the uilities and/or off-site improvements typical for the market area? 

[X] 

Yes 

No_If No, describe. 

Are there any 

adverse site condiions or external 

faclors (easements, encroachments, 

environmental conditions, land uses, ete)? [_IYes[XINo 

If Yes, describe, 

eneral Desorip 

“FounMatEn 

Ef evon DescHpl 

hater 

Unils | X [One| 

_| One with Accessory Unitj[ 

| Concrete Slab _[X [Crawl Space | Foundation Walls Cnblk/Aver 

# of Slories 

1 

Full Basement [ X Joati Basement | Exterior Walls _ Vinyl/AlunvAveriFair | Walls 

Drywall/Aver 

Type 

| X|Det| 

JAtt.[ 

|S-Det/End 

Unit|BasementArea 

402 

sq. 

ft.| Roof Surface 

Asphalt Shingles/Aver 

| 

TrimiFinish Wood/Fair 

X [Existing 

Proposed] 

|Under Const. |Basement Finish 

0 

% | Gullers 

& Downspouts None 

Bath Floor _Vin/Fair 

Desian (Style) 

Tri Level 

Outside 

Entry/Exit] 

[Sump Pump | Window Type __ Vinyl/Alum/Aver 

Bath Wainscot 

Fiberglass/Aver 

Year Built 

~1960 

Evidence of 

Infestation 

SlormSash/insulated Double Pane/Aver | CarStorage 

|__| None 

Effective 

Age (Yrs) 

30 

Dampness 

Settlement 

Screens 

Some/Aver 

[X] Driveway 

#of Cars 

3 

Allie 

X] 

None 

eating] 

X Jrwall 

Thawed] |ragont| Amenities 

Woodstove(s) # O_| 

Driveway Surface Gravel 

Drop Stair 

Stairs 

[Tower 

[Fie 

NG 

Fireplace(s) # 0 

| 

_|Fence None 

X] Garage 

tof Cars 3 

Floor 

Sculle 

Cooling [| Cenlral 

Ar Condition 

patioieck None[X |Porch Closed 

Cars 0 

=A] 

Finished 

Heated 

[Tindviduall[X] 

Other 

None 

Pool None 

Other None 

XA 

[Det 

Buitin 

Appliances[ 

X | Refigeralor 

[X 

| Range/Oven | [Dishwasher[IDisposall 

| Microwave] 

X 

| WasheDyer |_Jother (describa) 

M

Gladwin-Clare County Appraisal Service 

Uniform Residential Appraisal Report 

File No. 

 2293deer 

Case No. 

1415085107 

2__ 

comparable properties curently 

offered for sale in the subiect neighborhood. ranging in price from § 

63,000 

103 

89,900 

18 _ comparable sales in the sublect neighborhood within the 0as! twelve months ranging in sale price from § 

38,000 

fo$ 

85,000 

2 

~~ FEATURE - 

- SUBJECT... COMPARABLE SALE #1 

== COMPARABLE-SALE 

#2 - 

-- COMPARABLE 

SALE 

#3---- 

Address 

2293 Deer Ave 

1858 3rd Street 

2477 E 3rd Street 

4161 Elbow Lake Road 

Prescott, Ml 48756 

Prescott, MI 48756 

Prescott, MI 48756 

2.57 miles S 

0.15 miles NW. 

: 

8.900 

| 

CHAS 

49,000 

S__42.28 

so. ALAS 

; 

i 

40.83 

sq. f iii 

PARMLS#80054715;D0M 32 

57768;,D0M 8 

PARMLS#80058553;D0M 30 

Verification Source(s) 

Realtor 

Realtor 

Realtor 

VALUEADJUSTMENTS | 

DESCRIPTION 

DESCRIPTION | +()$ Adjustment] 

DESCRIPTION 

_[+{$ Adjustment] 

DESCRIPTION 

+) $ Adjustment) 

ArmLth 

ArmLth 

ArmLth 

Cash;0 

Cash;0 

Cash;0 

Dale of Sale/Time 

505/25,c04/25 

$03/26,c03/25 

$07/26,c07/26 

Location 

N:Res: 

N:Res; 

N;Res; 

NiRes; 

Leasehold/Fee Simple 

Fee Simple 

Fee Simple 

Fee Simple 

Fee Simple 

25200 sf 

40075 sf 

4, 

15246 sf 

q 

18295 sf 

a 

N;Res; 

N;Res; 

N:Res; 

N:Res; 

Design (Style) 

DT1;Tri Level 

| DT1.5;Bungalow 

0 

DT1;Ranch 

0 

DT1;Ranch 

a 

Quality 

of Construction 

Q4 

Q4 

Q4 

Q4 

~85 

60 

q 

85 

Q 

63 

q 

c4 

C4 

C5 

+4,000 

C4 

Total 

[Bdrms] 

Baths | Total [dims] 

Baths 

-2,0004 Total |Bdrms|_Baifis 

-2,000 Total [Bdrms 

5 

1 

20 

| 

5] 

2 

1.0 

+2,500 

6 

2 

| 10 

+2,500 

5 

1 

1.0 

+2,500) 

Gross Living Area 

1,002 

sq.fl 

920 

sq. fi] 

42,050 

1,264 

sq. fi 

65500 

1.200 

sq.ft 

-4,950) 

Basement & Finished 

402sfosfin 

0sf 

+1,608 

0Osf 

+1,608 

0sf 

+1,60¢ 

Rooms Below Grade 

Functional Utility 

Average 

Average 

Average 

Average 

=| 

Heating/Cooling 

FWA/None 

FWA/None 

FWA/None 

FWA/None 

=| Energy Efficient Items 

None 

None 

None 

None 

Garage/Carport 

3gaddw 

29d2dw 

+4,000) 

2qd2dw 

+4,000) 

29a2dw 

+4,000) 

oval 

Porch/Patio/Deck 

Closed 

None 

+3,000) 

Closed 

3shed/carport 

-2,500) 

al Fireplaces 

0 

0 

0 

1 

-2,000 

85 

Net Adjuslment (Toll) 

: 

[1 

Js 

1188 

| [X]+[]- 

s 

3568 

J[ 

IX] 

- 

$1342 

Adjusted Sale Price 

Net Adj: 29% 

Net Adj: 8% 

Net Adj: -3% 

of Comparables 

Gross Adj: 39% 

|$ 

50,058 

[Gross Adj: 44% 

|$ 

50,558 

[Gross Adj: 36% 

|S 

47,658 

7 

| 

|X [dd 

did not research the sale 

or transfer 

history 

of the subiect property and comparable sales. If not, explain 

My research 

did 

| X | did not reveal any 

prior sales or transfers of the subject property for the three years prior lo the effective date of this appraisal. 

Dalasource(s) Local MLS 

Myresearch 

Datasource(s) Local MLS 

dd | X | did not reveal any 

prior sales or transfers 

of the comparable sales for the 

year prior 

to the date of sak of he comparable sale. 

Report the results of the research and analysis of the prior sele or transfer history of the subiect property and comparable sales (report additional prior sales on page 3). 

ITEM 

SUBJECT 

COMPARABLE SALE #1 

COMPARABLE SALE #2 

COMPARABLE SALE #3 

Date of Prior Sale/Transfer 

Price of Prior Sale/Transfer 

Data Source(s) 

Local MLS 

Local MLS 

Local MLS 

Local MLS 

Effective Dale 

of Dala Source(s) 

11/18/2025 

- 

11/18/2025 

11/18/2025 

11/18/2025 

Analysis 

of prior sale or transfer 

history of the subject 

proj 

and comparable sales 

This coun 

ublic data is historically 

my 

changes with minimal information on sales. 

Information is based on local MLS data, 

onths behind 

posting 

of owner 

Summary of Sales Comparison Approach 

Appraiser has considered market driven adjustments. Not all feature or amenities warrant an adjustment in 

the market. Site size consideration includes the frontage and overall size along 

with overall utility. Bedroom count and bath count are also 

considered for possible adjustment. Appraiser has considered the principle of substitution. 

Quality 

and condition rating 

can have adjustments within the individual ratings themselves. If an adjustment was 

given for a comparable does not

Gladwin-Clare County Appraisal Service 

File No. 

 2293deer 

Uniform Residential Appraisal Report 

SANG: FRISBEE 

Vin 

.. 

COST APRROAGH.TO VALUE (ict réquired 

by Fannie Mae.) 

Provide adequale information for the lendericlient to replicate your cost figures and calculations. 

Support for the opinion of site value (summary of comparable 

land sales 

or other methods for estimating site value) 

Land sales and extraction method used to 

determine site value of the subject. 

HT 

nd 

ESTIMATED [| REPRODUCTIONOR 

|_| REPLACEMENT COST NEW 

OPINION OF SITE VALUE 

=$ 

5,000 

i Source 

of cost dala Marshall and SwiftLocal Costs 

Dwelling 

1,002 

Sa.Ft@$ 

$ 

Quality rain fiom cost service 

Average 

Effective date of cost data 

Bsmt. 

402 

So.Ft.@$ 

= 

51 Comments 

on Cost Approach (gross fiving area calculations, depreciation, ete.) 

Cost approach not applicable due to age of home and current building | Garage/Camort 

798 

Sq.Ft. @$ 

$ 

costs. 

Total Estimale 

of Cost-new 

= 

Less 

Physical 

50 [Functional 

External 

Depreciation 

[1] 

= 

0 

Deprecialed Cost 

of Improvements 

3 

0 

"Asis" Value of Site Improvements 

= 

’ 

=) 

A 

VA 

| 

ite 

ili 

Estimated Monthly Market Rent $ 

X Gross Muller 

= 

Indicated Value 

by Income Approach 

=i Summary of Income Approach (including support for market rent and GRM) 

ER 

5 

 PROJEGTINFORMATION 

EOR PUDs (ifapplicatile) 

= 

3 

ES 

A RT

Gladwin-Clare County Appraisal Service 

: 

. 

. 

. 

File No. 

 2293deer 

a 

Uniform Residential Appraisal Report 

Case No. 

1415085107 

This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit; 

including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a 

~- manufactured-home-ora-unit in-a condominium or cooperative project: 

= 

This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, 

statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended 

use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may 

expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal 

assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do 

not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's 

continuing education or membership in an appraisal organization, are permitted. 

SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the 

reporting requirements of this appraisal report form, including the following definition of market value, statement of 

assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual 

inspection of the interior and exterior areas 

of the subject property, (2) inspect the neighborhood, (3) inspect each of the 

comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources, 

and (5) report his or her analysis, opinions, and conclusions in this appraisal report. 

INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the 

subject of this appraisal for 

a mortgage finance transaction. 

INTENDED USER: The intended user of this appraisal report is the lender/client. 

DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open 

market under 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 of a specified date and 

the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both 

parties are well informed or well advised, and each acting in what he or she considers his or her 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 represents the normal consideration for the property sold 

unaffected 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 costs are 

readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing 

adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional 

lender that Is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical 

dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's 

reaction to the financing or concessions based on the appraiser's judgment. 

STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is 

subject to the following assumptions and limiting conditions: 

1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title 

to it, except for information that he or she became aware of during the research involved in performing this appraisal. The 

appraiser assumes that the title is good and marketable and will not render any opinions about the title. 

2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. 

The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination 

ofits 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 this appraisal report whether any portion of 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 determination, 

4. The appraiser will not 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, or as otherwise required by law. 

8. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the

Gladwin-Cla 

I 

i 

dwin-Clare County Appraisal Service 

File No. 

 2203deer 

Uniform Residential Appraisal Report 

Case No. 

1415085107 

APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 

1. I'have, ata minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in 

this-appraisal report; == 

ee 

RR 

2. 

| performed a complete visual inspection of the interior and exterior areas of the subject property. 

| reported the condition 

of the improvements in factual, specific terms. 

| identified and reported the physical deficiencies that could affect the 

livability, soundness, or structural integrity of the property. 

3. 

| performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal 

Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in 

place at the time this appraisal report was prepared. 

4. 

1 developed my opinion of the market value of the real property that is the subject of this report based on the sales 

comparison approach to value. 

| have adequate comparable market data to develop a reliable sales comparison approach 

for this appraisal assignment. | further certify that 

| considered the cost and income approaches to value but did not develop 

them, unless otherwise indicated in this report. 

6. 

| researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for 

sale of the subject property In the twelve months prior to the effective date of this appraisal, and the prior sales of the subject 

property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 

6. 

| researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior 

to the date of sale of the comparable sale, unless otherwise indicated in this report. 

7.1 selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property. 

8. 

I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that 

has been built or will be built on the land. 

9. 

I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject 

property and the comparable sales. 

10. 

| verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in 

the sale or financing of the subject property. 

11. 

I have knowledge and experience in appraising this type of property in this market area. 

12. 1am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing 

services, tax assessment records, public land records and other such data sources for the area in which the property is located. 

13. 

I obtained the information, estimates, and opinions fumished by other parties and expressed in this appraisal report from 

reliable sources that | believe to be true and correct. 

14. 

I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject 

property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. 

| 

have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the 

presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the 

subject property or that 

| became aware of during the research involved in performing this appraisal. 

| have considered these 

adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and 

marketability of the subject property. 

15. 

I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all 

statements and information in this appraisal report are true and correct. 

16. 

| stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which 

are subject only to the assumptions and limiting conditions in this appraisal report. 

17. 

I have no present or prospective interest in the property that is the subject of this report, and 

| have no present or 

prospective personal interest or bias with respect to the participants in the transaction. 

| did not base, either partially or 

completely, my analysis and/or opinion of market value In this appraisal report on the race, color, religion, sex, age, marital 

status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the

Gladwin-Clare County Appraisal Service 

File No. 

 2293deer 

. 

Case No. 

1415085107 

Uniform Residential Appraisal Report 

21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the 

borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other 

~~ secondary-market participants; data collection-or-reporting services; professional appraisal-organizations; any department, 

agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to 

obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal 

report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public 

relations, news, sales, or other media). 

22. 

| am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain 

laws and regulations. Further, | am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice 

that pertain to disclosure or distribution by me. 

23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage 

insurers, government sponsored enterprises, and other secondary market participants may rely on this appraisal report as part 

of any mortgage finance transaction that involves any one or more of these parties. 

24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature,” as those terms are 

defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this 

appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and 

valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 

25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or 

criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States 

Code, Section 1001, et seq., or similar state laws. 

SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 

1. 

| directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's 

analysis, opinions, statements, conclusions, and the appraiser's certification. 

2. 

| accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions, 

statements, conclusions, and the appraiser's certification. 

3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser (or the 

appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law. 

4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and 

promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal 

report was prepared. 

S. 

If this appraisal report was transmitted as an “electronic record" containing my "electronic signature," as those terms are 

defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this 

appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and 

valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 

APPRAISER 

SUPERVISORY APPRAISER (ONLY IF REQUIRED) 

(8 

fer b- 

Signature 

Signature 

Name 

e 

Kyle R Kigar 

Name 

Company Name 

Gladwin-Clare County Appraisal Service 

Company Name 

Company Address 

249 Hilts Rd 

Company Address 

Gladwin, MI 48624 

Telephone Number. 

9894267508 

Telephone Number 

Email Address 

kylesoldit@gmail.com 

Email Address 

Date of Signature and Report 

11/19/2025 

Date of Signature 

Effective Date of Appraisal 

State Certification # 

State Certification # 

or State License # 

or State License # 

State 

or Other (describe) 

Expiration Date of Certification or License

Gladwin-Clare County Appraisal Service 

EXTRA COMPARABLES 4-5-6 

File No. 

 2293deer 

Case No. 

1415085107 

Borrower. 

-- Steven -Davig - —--.--.— - 

Property Address 2293 Deer Ave 

City 

Prescott 

County 

Ogemaw 

State 

mi 

Zip Code 

48756 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena , MI 49707-9800 

FEATURE 

[ 

SUBJECT 

COMPARABLE SALE # 

4 

COMPARABLE SALE # 

5 

COMPARABLE SALE # 

8 

Address 

2293 Deer Ave 

4997 Lucinda Drive 

Prescott, 

MI 48756 

Prescott, MI 48756 

Proximity 

to Subject 

= 

1.65 miles § 

Sale Price 

SEs 

53,000 

SalePrice/GrossLiv.Area 

$ 

4247 

 so.fihinaaii 

sq. GERI S 

Dala Source(s) 

E 

| 

PARMLS#80053505,00M 25 

Verificalion Source(s 

= 

A 

Realtor 

VALUE ADJUSTMENTS 

DESCRIPTION 

DESCRIPTION 

| +-)§ Adjustment] 

DESCRIPTION 

| +{-)$ Adjustment] 

DESCRIPTION 

+) 

S Adjustment] 

Sale or Financin 

Pl 

SAE 

ArmLth 

Concessions 

EE 

Cash;0 

Dale of Sale/Time 

$02/25,c02/25 

Location 

N;Res; 

N;Res; 

Leasehold/Fee 

Simple 

Fee Simple 

Fee Simple 

Site 

25200 sf 

8276 sf 

q 

View 

N;Res; 

N;Res; 

Design (Style) 

DT1,Tri Level 

DT1;Ranch 

a 

Quality of Conslruction 

Q4 

Qs 

+2,500 

Actual 

Age 

65 

45 

q 

Condition 

C4 

C4 

-8,000 

Above Grade 

Total [Bdrms| 

Baths | Total [Bdms| 

Baths 

-4,000i Total [Bdrms| 

Baths 

Total pny 

Baths 

Room Count 

51 

1]20[]8]3]410 

+2,500 

Gross Living Area 

1.002 

sq.ft] 

1,248 

sa. fil 

-6,150 

sq. ft 

sq. fi] 

Basement & Finished 

402sf0sfin 

Osf 

+1,608 

Rooms Below Grade 

Functional Utility 

Average 

Average 

Heating/Cooling 

FWA/None 

FWA/None 

Energy Efficient items 

None 

None 

<8 

Gar 

it 

3gaddw 

2dw. 

+12,000 

<8 

Porch/Patio/Deck 

Closed 

decki/shed 

9 

ci Fireplaces 

0 

0 

B 

3 

Not Adjustment 

(Tot 

sass 

[[I-[1-__s 

CT-I"1- 

$ 

a4 

Adjusted Sale Price 

Net Adj: 0% 

Net Adj: 0% 

of Comparables 

-|Gross Adj 

: 69% 

53,458 

[Gross Adj: 0% 

 [§ 

Gross Adj: 0% 

Report 

the results of the research 

and analysis of the prior sale or transfer hislory of the subject property and comparable sales 

ITEM 

SUBJECT 

COMPARABLESALE# 

4 

COMPARABLE SALE# 

5 

COMPARABLE SALE# 

6 

Date 

of Prior Sale/Transfer 

Price of Prior Sale/Transfer 

Data Source(s) 

Local MLS 

Local MLS 

Effective Date of Dala Sourcs(s) 

11/18/2026 

11/18/2025 

Analys's of prior sale or transfer history of the subject property 

and comparable sales This county public data is historically months behind posting of owner 

changes with minimal information on sales. Information is based on local MLS data.

Gladwin-Clare County Appraisal Service 

UNIFORM APPRAISAL DATASET (UAD) 

File No. 

 2293deer 

Property Condition and Quality Rating Definitions 

Case No. 

1415085107 

Requirements - Condition and Quality Ratings Usage 

Appraisers must utilize the following standardized condition and quality ratings within the appraisal report, 

Condition Ratings and Definitions 

[7] 

‘The improvements have been recently constructed and have not been previously ocoupied. The entire structure and all components are new and the dwelling features no 

physical depreciation. 

Note: 

Newly constructed improvements that feature recycled or previously used malerials and/or components can be considered new dwellings provided that the dwelling 

is placed 

on a 100 percent 

new foundation and the recycled materials and the recycled components have been rehabifitated/remanufactured 

into like-new condition. Improvements 

that have not been previously occupied are not considered “new” if they have significant physical depreciation (that is, newly constructed dwellings that have been vacant for an| 

‘extended period of time without adequale maintenance or upkeep). 

c2 

The improvements feature no deferred maintenance, lite or no physical depreciation, and require no repairs. Virtually all building components are new or have been recenlly 

repaired, refinished, of rehabilitated. All outdated components and finishes have been updated andlor replaced with components that meet current standards. Dwellings in this 

category are either almost new or have been recenlly completely renovaled and are similar in condition to new construction. 

Note: The improvements represent a relatively new property that is well maintained with no deferred maintenance and little or no physical depreciation, or an older property| 

that has been recently completely renovated. 

c3 

The improvements are well maintained and fealure limited physical depreciation due lo normal wear and tear. Some components, but not every major building component, 

may be updaled or recently rehabilitated. The structure has been well maintained. 

Note: The improvement 

is in its first-cycle of replacing short-lived building components (appliances, floor coverings, HVAG, elc.) and is being well maintained. It's estimated 

effective age is less than ifs actual age. It also may reflect a property in which the majority of short-fived buikding components have been replaced but not fo the level of] 

a complete renovation. 

C4 

The improvements feature some minor deferred maintenance and physical deterioration due to normal wear and ear. The dwelling has been adequately maintained and 

requires only minimal repairs to building componentsimechanical systems and cosmetic repairs. All major building components have been adequalely maintained and are! 

functionally adequate. 

Note: The estimated effective age may 

be close to or equal {o its aclual age. ltreflecls a property in which some of the short-lived building components have been replaced, 

and some short-lived building components are al or near the end of their physical lite expectancy; however, they still function adequately. Most minor repairs have been 

addressed on an ongoing basis resulting in an adequately maintained property. 

C5 

The improvements fealure obvious deferred maintenance and are In need of some significant repairs. Some building components need repairs, rehabilitation, or updating. 

The functional uliity and overall livability are somewhat diminished due to condition, but the dwelling remains useable and functional as a residence. 

Note: Some significant repairs are needed to the improvements due to the lack of adequale maintenance. It reflects a property in which many of its short-lived building 

components are at the end of or have exceeded their physical Ife expectancy but remain functional. 

[¢3 

The improvements have substantial damage or deferred maintenance with deficiencies or defects that are severe enough to affect the safety, soundness, or structural integrity 

of the improvements. The improvements are in need of substantial repairs and rehabilitation, including many or most major components. 

Note: Substantial repairs are needed to the improvements due to the lack of adequate maintenance or property damage. It reflects a property with conditions severe enough| 

to affect the safely, soundness, or struclural integrity 

of the improvements.

Gladwin-Clare County Appraisal Service 

UNIFORM APPRAISAL DATASET (UAD) 

File No. 

 2203deer 

Property Condition and Quality Rating Definitions 

Cage No. 

1415085107 

Quality Ratings and Definitions 

Qt 

Dwellings with this quality rating are usually unique structures that are individually designed by an architect for a specified user. Such residences typically are constructed. 

from detailed architectural plans and specifications and feature an exceptionally high level of workmanship and exceptionally high-grade materials throughout the inferior and 

exterior of the structure. The design features exceptionally high-quality exterior refinements and omamentation, and exceptionally high-quality interior refinements. The 

workmanship, materials, and finishes throughout the dwelling are exceptionally high quality. 

®@ 

Dwellings with this quality raling are often custom designed for construction on an individual property owner's site. However, dwellings in this quality grade are also found| 

in high-quality tract developments featuring residences constructed from individual plans or from highly modified or upgraded plans. The design features detailed, high-quality 

exterior ornamentation, high-quality interior refinements, and delail. The workmanship, materials, and finishes throughout the dwelling are generally of high or very high quality. 

[e5] 

Dwellings with this quality rating are residences of higher quality buill from individual or readily available designer plans in above-standard residential tract developments 

or on an individual property owner's site. The design includes significant exterior ornamentation and interiors that are well finished. The workmanship exceeds acceplable 

standards and many malerials and finishes throughout the dwelling have been upgraded from "stock® standards. 

o 

Dwellings with this quality rating meet 

or exceed the requirements of applicable building codes. Standard or modified standard building plans are utiized and the design includes 

adequale fenesiration and some exlerior ornamentation and interior refinements. Materials, workmanship, finish, and equipment are of stock or builder grade and may feature 

some upgrades. 

[5] 

Dwellings with this quality rating feature economy of construction and basic functionality as main considerations. Such dwellings feature a plain design using readily available 

or basic floor plans featuring minimal fenestration and basic finishes with minimal exterior amamentation and limited interior detail. These dwellings meet minimum building codes 

and are constructed with inexpensive, sock malerials with limited refinements and upgrades. 

[e5) 

Dwellings wilh this quality rating are of basic quality and lower cost; some may not be suitable for year-round occupancy. Such dwellings are often built with simple plans or 

without plans, often utilizing the lowest quality building materials. Such dwellings are often buillor expanded by persons who are professionally unskilled or possess only minimal 

construction skill. Electrical, plumbing, and other mechanical systems and equipment may be minimal or non-existent, Older dwellings may fealure one or more substandard 

or non-conforming additions to the original structure. 

Requirements - Definitions of Not Updated, Updated and Remodeled 

Not Updated 

Little or no updating or modemization, This description includes, but Is not limited to, new homes. 

Residential properties of fifteen years of age or less often reflect an original condition wilh no updating, if no major components have been replaced or updated. Those over, 

fifteen years of age are also considered not updaled if the appliances, fixtures, and finishes are predominantly daled. An area that is "Not Updated may still be well 

maintained and fully functional, and this rating does not necessarily imply deferred maintenance or physicalfunctional deterioration. 

Updated 

The area of the home has heen modified to meet current market expectations, These modifications are limited in terms of both scope and cost, 

An updated area of the home should have an improved look and feel, or functional utility. Changes that constitute updales include refurbishment and/or replacing 

components meet existing market expectations. Updates donot include significant alterations to the existing structure. 

Remodeled 

Significant finish andlor structural changes have been made that increase utility and appeal through complete replacement and/or expansion. 

A remodeled area reflects fundamental changes that include multiple alterations. These alterations may include some or all of the following: replacement of a major 

component (cabinel(s), bathtub, or balhroom like), relocation of plumbing/gas fixtures/appliances, significant structural alterations (relocating walls, and/or the addition 

of square footege), This would include a complete gutting and rebuild. 

Explanation of Bathroom Count

Gladwin-Clare County Appraisal Service 

UNIFORM APPRAISAL DATASET (UAD) 

File No. 

 2293deer 

Property Description Abbreviations Used in This Report 

case No. 

1415085107 

FullName 

A 

Adverse 

~~ 

= 

ac 

Acres 

Area, Site 

AdjPrk 

Adjacent to Park 

Location 

AdiPwr 

Adjacent 

to Power Lines 

Location 

ArmLth 

Arms Length Sale 

Sales or Financing Concessions 

AT 

Attached Structure 

Design (Style) 

B 

Beneficial 

Location & View 

ba 

Bathroom(s) 

Basement & Finished Rooms Below Grade 

br 

Bedroom 

Basement & Finished Rooms Below Grade 

BsyRd 

Busy Road 

Location 

c 

Contracted Date 

Date of Sale/Time 

Cash 

Cash 

Sale or Financing Concessions 

Comm 

Commercial Influence 

Location 

Conv 

Conventional 

Sale or Financing Concessions 

cp 

Carport 

Garage/Carport _ 

CrtOrd 

Court Ordered Sale 

Sale or Financing Concessions 

CtySky 

City View Skyline View 

View 

CtyStr 

City Street View. 

View 

cv 

Covered 

Garage/Carport 

DOM 

Days On Market 

Data Sources 

DT 

Detached Structure 

Design (Style) 

dw 

Driveway 

Garage/Carport 

e 

Expiration Date 

Date of Sale/Time 

Estate 

Estate Sale 

Sale or Financing Concessions 

FHA 

Federal Housing Administration 

Sale or Financing Concessions 

Garage 

Garage/Carport 

ga 

Attached Garage 

Garage/Carport 

bi 

Built-In Garages 

Garage/Carport 

d 

Detached Garage 

Garage/Carport 

GlfCse. 

Golf Course 

Location 

Glivw 

Golf Course View 

View. 

GR 

Garden 

Design (Style) 

HR 

High Rise 

Design (Style) 

in 

Interior Only Stairs 

Basement & Finished Rooms Below Grade 

Ind 

Industrial 

Location & View 

Listing 

Listing 

Sales or Financing Concessions 

Lndfl 

Landfill 

Location 

LtdSght 

Limited Sight 

View 

MR 

Mid Rise 

Design (Style) 

Min 

Mountain View 

View 

N 

Neutral 

Location & View 

NonArm 

Non-Arms Length Sale 

Sale or Financing Concessions 

[] 

Other 

Basement 

& Finished Rooms Below Grade 

[0] 

Other 

Design (Style) 

op 

Open 

Garage/Carport 

Prk 

Park View 

View 

Pstrl 

Pastoral View 

View 

PubTm 

Public Transportation 

Location 

Pwrln 

Power Lines 

View 

Relo 

Relocation Sale 

Sale or Financing Concessions 

REO 

REO Sale 

Sale or Financing Concessions 

Res 

Residential 

Location & View 

RH 

USDA - Rural Housing 

Sale or Financing Concessions 

fr 

Recreational (Rec) Room 

Basement & Finished Rooms Below Grade 

RT 

Row or Townhouse 

Design (Style) 

Ss 

Settlement Date 

Date of Sale/Time 

SD 

Semi-detached Structure 

Design (Style) 

Short 

Short Sale 

Sale or Financing Concessions 

sf 

Square Feet 

Area, Site, Basement 

sqm 

Square Meters

Gladwin-Clare County Appraisal Service 

SUBJECT PHOTO ADDENDUM 

File No. 

2293deer 

Case No. 

1415085107 

Borrower 

Steven Davis 

Property Address 

2293 Deer Ave 

oe 

Gity Prescott + 

Gounly 

—Ogemaw--———— Sale 

~ME 

Zip Code----—~ 48758. 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena , Ml 49707-9800 

FRONT OF 

SUBJECT PROPERTY 

2293 Deer Ave 

Prescott, MI 48756 

REAR OF 

SUBJECT PROPERTY 

Siding to be installed 

STREET SCENE

Gladwin-Clare County Appraisal Service 

SUBJECT PHOTO ADDENDUM 

File No. 

 2293deer 

Case No. 

1415085107 

Borrower 

Steven Davis 

Property Address 

2293 Deer Ave 

Ime 

=== Clty Prescott — ~~ County. 

-Ogemaw --————-Slal-=—— 

— MJ ~~~ 

Zip Code 

48756. 

—-- 

rns 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena , MI 49707-9800 

Street View 2 

Garage 

Side

Gladwin-Clare County Appraisal Service 

SUBJECT PHOTO ADDENDUM 

File No. 

 2203deer 

Case No. 

1415085107 

Borrower 

Steven Davis 

Property Address 

2293 Deer Ave 

Prescott ~~ 

rm 

Cotnly ~———— -Ogemaw 

—— 

Slagle MI 

ZipCode 

48766 

~~ 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena , MI 49707-9800 

Repair needed 

Roof repair and Fascia repair needed 

Repair needed 

Siding needed 

Repair needed 

Siding needed on wood

Gladwin-Clare County Appraisal Service 

SUBJECT PHOTO ADDENDUM 

File No. 

 2203deer 

Case No. 

1415085107 

Borrower 

Steven Davis 

Property Address 

2293 Deer Ave 

~City-—Prescott-—- — eee 

Counly— 

§ 

Lender/Client 

Northland Area Federal Credit Union 

—-Ogemaw- ———-—Slalg-~— MI 

Zip Coder 

Address 

1161 N Bagley Street, Alpena , MI 49707-9800 EE 

— 

Side 

Inspection required 

Roof inspection for soundness 

Kitchen

Gladwin-Clare County Appraisal Service 

SUBJECT PHOTO ADDENDUM 

File No. 

 2203deer 

Case No. 

1415085107 

Borrower 

Steven Davis 

Property Address 

2293 Deer Ave 

Si ~~ 

Counly—=—--—-Ogemaw- 

—_Slale———— MI 

Zip Code: 

=== 48756 

~--- 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena 

, MI 49707-9800 

Dining Room 

Living Room 

Bathroom #1

Gladwin-Clare County Appraisal Service 

SUBJECT PHOTO ADDENDUM 

File No. 

 2293deer 

Case No. 

1415085107 

Borrower 

Steven Davis 

Property Address 

2293 Deer Ave 

=Preseott 

=o 

QoUnly rm ——Ogemaw Slalom MI Zip Code ~—---~ 48766 

-onn- 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena 

, MI 49707-9800 

Basement 

Laundry 

Bedroom #1

Gladwin-Clare County Appraisal Service 

SUBJECT PHOTO ADDENDUM 

File 

Borrower 

Steven Davis 

No. 

 2293deer 

Case No. 

1415085107 

Property Address 

2293 Deer Ave COU 

= 

Zip Code ~~ 48756 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena 

, MI 49707-9800 

Bathroom #2 

Basement 

H/W Heater

Gladwin-Clare County Appraisal Service 

SUBJECT PHOTO ADDENDUM 

File No. 

2203deer 

Case No. 

1415085107 

Borrower 

Steven Davis 

Properly Address 

2293 Deer Ave 

oe 

Clty -Preseott 

ree eee 

—— Counly--——- 

—-Ogemaw-———-- —- Sale ~—~--—nm. ME— 

Zip Code 

~~ 48756 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena , MI 49707-9800 

Furnace 

Panel

Gladwin-Clare County Appraisal Service 

COMPARABLES 1-2-3 

File No. 

 2293deer 

Case No. 

1415085107 

Borrower 

Steven Davis 

Property Address 

2293 Deer Ave 

Ba £ 

 AS—— 

| BO -Zip Code 

- 48756---- 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena , MI 49707-9800 

COMPARABLE SALE# 

1 

1858 3rd Street 

Prescott, MI 48756 

COMPARABLE SALE# 

2 

2477 E 3rd Street 

Prescott, MI 48756 

COMPARABLE SALE # 

3 

4161 Elbow Lake Road 

Prescott, MI 48756

Gladwin-Clare County Appraisal Service 

COMPARABLES 

4-5-6 

File No. 

 2293deer 

Case No. 

1415085107 

Borrower 

Steven Davis 

Property Address 

2293 Deer Ave 

=~ City Prescott 

ooo. 

Counly —————-Ogemaw ——— 

Salo.-- mm Mba 

Zip Code 

+ 48758 ~~~ 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena 

, MI 49707-9800 

COMPARABLE SALE# 

4 

4997 Lucinda Drive 

Prescott, Ml 48756 

COMPARABLE SALE# 

5 

COMPARABLE SALE# 

6

Gladwin-Clare County Appraisal Service 

COMMENT ADDENDUM 

File No. 

 2293deer 

SE 

marlon 

mess 

were 

Case NO. 1415085407 creo 

oo 

Borrower 

Steven Davis 

Property Address 

2293 Deer Ave 

City 

Prescott 

County 

Ogemaw 

State 

MI 

Zip Code 

48756 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena 

, MI 49707-9800 

Appraisers are required to be licensed and are regulated by the Michigan Department of Licensing and Regulatory Affairs, P. 

O. Box 30018, Lansing, Michigan 48909. 

Scope of Work: Market Value for purchase. 

Intended User: 

Lender/Client/AMC 

This report may not be used or relied upon by another party. Should this appraisal be part of an FHA transaction, the 

appraiser has attempted to follow the requirement for this type of financing. However, this report is in no way a home 

inspection but is additional information required for government insurance purposes. 

Square Footage-Method for Calculating: ANSI® Z765-2021 (American National Standards Institute®). Subject was measured 

to 1/10 of a foot by this appraiser. 

Highest and Best Use: 

The subject is a legally permissible use based on its current zoning. Additionally, the current improvements based on the lot 

size, shape and land-to-building ratio, making it physically possible. Similarly, based on current market conditions, the existing 

improvements, as a single family residence, are financially feasible and represent a maximally productive use. The highest 

and best use, as if vacant, would be to build a single family residence. 

Experience: 

Appraiser has necessary experience in the market area to create a credible value on residential home and 

land. Appraiser has no current or future interest in the subject. 

Exposure time: 

10-90 days. 

2022-23 USPAP requirements include the statement of exposure time, if time is a factor in the opinion of value per Standard 

Rule 1-2(c). USPAP defines exposure time as: The estimated length of time that the property interest being appraised would 

have been offered on the market prior to the hypothetical consummation of a sale at market value on the effective date of the 

appraisal. Exposure time is a retrospective opinion based on an analysis of past event assuming a competitive and open 

market. 

The appropriate market data along with the cost and income approached to value were investigated. 

Sources included public records, MLS, files, and commercial services. 

Subject Summary: 

Subject is a frame built home located in rural Ogemaw County Sub. Subject has an attached garage and closed porch. 

Subject has an unfinished basement. Subject has significant deferred maintenance from wear and tear. There has been no 

updating in recent years. 

Any repairs needed for safety, security or soundness are below under REPAIR line item. 

Legal: 

ML-AN 15 2003 COMB 015-00 & 01 6-00 ELMER KNIGHT'S SPORTMAN'S SUBD LOTS 15,16 & 17 

Subject heating system is sufficient to heat the home to a minimum of 68 degrees. 

Appraiser has not performed any services on subject in last 3 years. 

CO detector and water straps are not required on existing homes in this market.

Gladwin-Clare County Appraisal Service 

COMMENT ADDENDUM 

File No. 

 2293deer 

sp 

se 

-.—Case No. 1415085107. ......__ 

Borrower 

Steven Davis 

Property Address 

2293 Deer 

Ave 

City 

Prescott 

County 

Ogemaw 

State 

Mi 

ZipCode 

48756 

Lender/Client 

_ Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena 

, MI 49707-9800 

Due to the lack of cookie cutter subdivisions it is common for some comparables to be in nearby neighborhoods that may 

have difference zip codes or municipality names to locate relevant comparables. It is necessary to expand areas when 

necessary. If these comparables are in different neighborhoods they were researched and are in similar valued and similar 

market areas. This has no effect on marketability. 

Adjustments: 

GLA, age, deck/porch/patio, and square footage adjustments are determined using matched pairs, the extraction method, and 

appraiser interview of real estate brokers and other appraisers, to determine accurate adjustments for the above line items in 

the market area. This market does not have any cookie cutter subdivision, so most adjustments are derived using a 

combination of methods to arrive at relevant adjustments. Due to the nature of this market area it is not always possible to 

scientifically create the adjustments, therefore several methods must be used to give a comparable the appropriate 

adjustment for the market and its contributory value to best arrive at a value that is relevant and accurate. 

The included comparables were the best available for this subject and market area. 

Comparables Summary: 

Gomp 1: Comp was adjusted for room count, square fest, basement, garage and closed porch differences. 

Comp 2: Comp was adjusted for condition, room count, square feet, basement, and garage differences. Condition 

adjustment is due to comp utilities not in working order at time of sale. 

Comp 3: Comp was adjusted for Square feet, basement, garage, carport and fireplace differences. 

Comp 4: Comp was adjusted for quality, condition, room count, square feet, basement, garage differences. quality 

adjustment shows the contributory avail difference between a manufactured home and a frame built home. condition 

adjustment is due to the subject being more updated than the subject. 

Due to the condition of the subject with limited comparables the bathroom count was not bracketed. This additional bathroom 

would be looked on favorably and did warrant an adjustment. Not bracketing the bathroom count has no effect on 

marketability. 

Garage was not bracketed. three car garages are not common in this market area. The additional bay would be looked 

unfavorably and did warrant an adjustment. Not bracketing the garage has no effect on marketability. 

All comps given some consideration in the final value estimate due to being most similar in design, utility, and overall 

similarity to the subject. No one comparable is given most weight. 

Comps that exceed 1 mile and/or over 6 months of age are due to the nature of the market area and is considered typical for 

the area. 

. 

Crossing major roads for comparables does not affect marketability. 

Other land use is vacant land. 

The subject property is located Appr. 24 miles from appraiser's office. This assignment requires geographic competency as

Gladwin-Clare County Appraisal Service 

COMMENT ADDENDUM 

File No. 

 2293deer 

NCH 

- 

SE— 

SR 

supe 

wore. 

CaS€-NO.-- 1415085107 oom 

Borrower 

Steven Davis 

Property Address 

2293 Deer Ave 

City 

Prescott 

County 

Ogemaw 

State 

Mi 

Zip Code 

48756 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena, MI 49707-9800 

Utilities: 

Utilities and mechanicals were on and working at time of inspection. 

Public Utilities: 

None available. This has no effect on marketability. 

All comps have similar well and septic systems. 

Well and septic systems are typical when public utilities are not available. Markets with well and septic systems show no value 

difference than homes with public utilities. LP gas and NG also have no value differences in the market and no adjustment 

necessary. 

Appliances: 

Appliances are considered personal property and given no consideration in final value estimate. Appliances were not tested 

and assumed to be in working order. 

The subject pictures and comparable photos are in digital format. These are actual photos and have not been altered. 

Comparable photos may be file photos taken at an earlier date that show the comparables at time of sale or thereafter. 

Appraiser has driven by all comparable sales since there sale date and viewed from the street. MLS photos used when 

required or when there are subjects in the view at the time of the comparable drive by viewing. 

Subject conforms to the neighborhood in style, size, condition, and overall utility. Subject is not an over or under improvement. 

There are no marketability issues with the subject. 

Appraiser will attempt to report and disclose any environmental issues, however has no expertise in these issues. This 

includes radon, tanks, drums, urea formaldehyde, or flood zone issues. Additional information regarding local environmental 

issues can be found on the State of Michigan website or other qualified sites. Additionally, appraiser states no expertise in this 

area. 

By submitting this report, 

| confirm that these services were completed in compliance of all AIR, FIRREA, USPAP, and Dodd- 

Frank regulations. 

| make the following statements: 

Appraisers USPAP/A.LR 

| have no current or prospective interest in the subject property or the parties involved; and no 

services were performed by the appraiser within the 3 year period immediately preceding acceptance of this assignment, as 

an appraiser or in any capacity. If any of this information is to the contrary, 

| have appropriately commented and remarked in 

my report. XI FIRREA Title XI FIRREA compliance statement: Appraiser certifies that the appraisal was prepared in 

accordance with the requirements of Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, as 

amended (12 U.S.C. 3331 et seq), and any implementing regulations. 

There is no active drilling within 200ft of the subject.

Gladwin-Clare County Appraisal Service 

COMMENT ADDENDUM 

File No. 

 2293deer 

sem 

5 

5 

eer 

or 

—Case-No. -1415085107 

Borrower 

Steven Davis 

Property Address 

2293 Deer Ave 

City 

Prescott 

County 

Ogemaw 

State 

MI 

Zip Code 

48756 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena 

, MI 49707-9800 

Roof inspection per photo for soundness, repair if needed: $TBD 

Variances: 

Site are variance over 20% is not uncommon in this rural area. All comps have similar use and utility with there variance and 

any contributory value differences will be given in the grid. Comps 

1 and 2 have this variance and adjusted in the grid. 

GLA variance over 20% is not uncommon in this rural market area. An adjustment for the differences for the contributory 

value is given in the grid. All comps have similar use and utility with there GLA and this has no effect on marketability. 

12-24 Months Market Trend: 

The search parameter for this trend is Rural Gladwin County of homes with 20-80 acres land. 

Below are the sales from the subject market area that were deemed similar to the subject. There are no cookie cutter 

subdivision in this rural market area. The homes vary in size, room count, water frontage, condition and amenities widely in 

this rural market. The list of sale used are in order of sale date from oldest to newest for the prior 12 months. If any month to 

month adjustments are necessary they will listed below. There is a 12 month trend graph and a 24 month trend graph for the 

subject market area. The winter months on average are slower sales months and historically trend lower in sales price when 

graphed. This does not mean the market declines in the winter months as the summer months show an increasing trend. This 

unique trending is common in Northern Michigan due to snow and cold weather and does automatically require adjustments 

for the difference. The overall trend analysis is necessary to determine if the market has actual declining-increasing or overall 

stable markets. 

The subject market area after review of prior sales and the trending graphs are deemed to be stable and no market 

adjustments for comparable sales are necessary.

12 Month Sales 

File No. 

 2293deer 

Case No. 

1415085107 

Borrower 

Steven Davis 

-- Property Address -2293 Deer Ave... 

SR 

City Prescott 

County 

State 

MI 

Zip Code 

48756 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena , Ml 49707-9800 

Ho 

BARKER: © 

v 

=m 

= 

wane rem gmpeve 

pevpees 

reaver 

ques 

r— 

AcresSold 

Close 

Bathrooms 

ariginal 

; 

Asking 

. 

School 

Concessian 

Year} 

ress 

MLS # 

SqFt 

Price 

Date 

Municipality Bedrooms 

How Sold 

'c0™ 

Tvpe Status, 

+ 

© FrontageZip 

District 

Amount 

SDOME 

ie: 

Single 

Whittemore. 

$38,000-12/30/2024 Mills Twp 

‘3 

k 3 

Cash 

1929365 

an 

$38,000 

48601 

Prescott 

6 

1950 

Family 

hd 

7 

I 

Single 

Vihittemore 

$53,0002/14/2005 MilsTwp 

3 

1 

Cash 

1930106 Zire 

CLD 

$59,900 

48756 Prescott 

25 

1980 

Li 

Area SD 

a 

Single 

. 

Whittemore 

$47,000 3/25/2025 

Mills Twp 

2 

1 

Cash 

50167768 Fa 

CLD 

$50,000 120 

48756 Prescott 

8 

1960 

mily 

Area SD 

Singl 

Whittemore: 

$97,000 3/26/2025 Mils Twp 

2 

0 

Cash 

1931149 290 

CID 

$50,000 

48756. Prescott 

18 

1980 

amity 

Area SD 

" 

Sirigle 

Witsmore 

$60,000 4/8/2025 

Mills Twp 

2 

1 

Cash 

1931704 

ap 

$59,900 

48756 

Prescott 

6 

1950 

Family 

> 

Area SD 

— 

Whittemore 

$59,9005/2/2025 

MilsTwp 

3 

1 

Cash 

50168947 "9° 

CLD 

$50,000150 

48756 Prescott 

0 

190 

amily 

Area SD 

Single 

Whittemore: 

$38,0005/13/2025 MilsTwp 

~~ 

2 

1 

Cash 

1931350 

209E 

CLD 

$38,900 

48756 Prescott 

32 

1965 

Fanily 

Area SD 

] 

Sonal 

) 

Whittemore 

$60,000 6/12/2025. 

Mils Twp 

2 

1 

Cash 

1933689 

2B 

CD 

479,900 

48756 Prescott 

24 

1975 

Family 

Area SD 

i 

Single 

Whittemore: 

$49,000 7/22/2025 

Mills Twp 

1 

1 

Cash 

1935233 

F: 

9€ 

cL 

$52,000 

48756 Prescott 

30 

1962 

amily 

Area SD 

Si 

Whittemore 

$45,0007/24/2025 MilsTwp 

2 

1 

Cash 

50180524 "9° Cy 

454000100 

48756 ‘Prescott 

2 

1970 

Family. 

Area SD 

1 

Single 

‘Whittemore. 

$45,0007/24/2025 

Mills Twp 

2 

1 

Cash 

1935946 

Family 

© 

$54,900 

48756 Prescott 

21 

1970 

Area SD 

Si 

Whittemore 

$72,0009/9/2025 

MilsTwp 

2 

1 

Cash 

1037354 

S09 py 

479,000 

48610 Prescott 

20 

196% 

Family 

Area SD 

i 

Single 

Whittemore 

$50,0009/26/2025 

Mills Twp 

2 

1 

Cash 

50180949 

CUD 

$59900320 

48756 - Prescott 

67 

196% 

Family 

Area SD 

| 

Single. 

Whittemore 

$50,000 9/26/2025 Mis Twp 

2 

1 

Cash 

1036079 T9BCLD 

454,900 

48756 ‘Prescott 

78 

1969 

y 

Area SD 

Single 

Whittemore 

$52,000102/2025 MiflsTwp 

1 

1 

Conventional 1935448 £20 ELD 

$79,900 

48756 Prescott 

3 

2023 

Area SD 

Single 

Wiitcre 

$63,500 10/23/2025 Mills Twp 

1 

: 

Cash. 

1938378 

CLD 

$66,900 

48756 Prescott 

37 

1955 

Family 

Area SD 

Single 

Whittemore

24 Month Trend Graph 

Borrower 

_ Steven Davis 

File No. 

2293deer 

Case No. 

1415085107 

Property Address 2293 Deer Ave cco 

County 

Ogemaw 

] 

State 

MI 

ZipCode __ 48756 

City Prescott 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena 

, MI 49707-9800 

11/19/25, 7:48 AM 

Paragon § 

( 

E 

Average and Median Prices 

] 

MiRealSource 

Nov2023-Nov 2025 

$100,000 

en 

~ 

; 

- 

480.000 

EE 

pes 

: 

| 

ol 

I 

= 

3 

$40,000 

Apr24 

© 

Sep2s 

i 

Date 

Date Crealed: 11/19/2025 

i 

Source: MiRealSource 

8 

Information povided is desmed reliable 

but not guarantead. 

Criteria: Class=RE,MH,LD,CLMF AND Date Range=T1/01/2023-11/30/2025 AND City=Prescott 

AND Acres #<=2 AND Price=30000-100000 

i 

| 

= 

Re 

SE 

ET 

Sig 

2

Gladwin-Clare County Appraisal Service 

SKETCH ADDENDUM 

File No. 

 2293deer 

Case No. 

1415085107 

Borrower 

Steven Davis 

Property Address 

2293 Deer Ave 

-City- Prescott 

~ County —— 

-— 

Ogemaw 

~ Stale: 

- 

MI 

ZipCode 

~~ 

48766 

- 

~~ 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena , MI 49707-9800 

42.1 

hy 

B 

o 

Bath 

3 

Bath 

pining Room | 

N 

109 

8 

Main Floor 

1002.0 sqft 

Bedroom 

Kitchen 

§ Closed porchi § 

Living Room 

"| 

1373 sqft 

Bh 

42.4 

36.1 

10.9 

16.9 

a 

Garage 

I 

797.8 sqft 

2 

Basement 

2 

8 

402.2 sqft 

8 

36.1 

16.9

SQUARE FOOTAGE CALCULATIONS 

File No. 

 2293deer 

Case No. 

1415085107 

Borrower 

Steven Davis 

Property Address 

2293 Deer Ave 

= 

Cily=Prescott-—~ mo 

County: -- 

---Ogemaw ~~ - 

Sale 

mo 

Zip Code ——- 48766 

cr ee 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena 

, MI 49707-9800 

Gross Living Area (GLA) 1,002 

s.f. 

Gross Building Area (GBA) 2,339 

s.f. 

Areas 

Square Footage 

Basement 

402 

sf. 

% of GBA 

Level 1 

1,002 

sf, 

% of GBA 

Level2 

s.f. 

% of GBA 

Level 3 

% of GBA 

Garage 

798 

% of GBA 

Other 

137 

% of GBA 

Area Dimensions 

Type of Area 

Level 

Measurements 

Factor 

Area 

Living Bsmt Garage Other 

One 

Two 

Three 

36.10 

X 22.10 

_X 1.0000 

= 798 

OO 

&E 

O 

0 

OO 

42.10 

X 23.80 

X 1.0000 

= 1,002 

x] 

[1 

[] 

x] 

] 

10.80 

X 12.60 

X 0.9997 

= 137 

EO 

[3 

i 

16.90 

X 2380 

_X 1.0000 

= 402 

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Gladwin-Clare County Appraisal Service 

LOCATION MAP ADDENDUM 

File No. 

 2293deer 

Case No. 

1415085107 

Borrower 

Steven Davis 

Property Address 

2293 Deer Ave 

City 

Prescott 

County 

Ogemaw 

State 

MI 

Zip Code. 

48756 

remem woes 

Lender/Glient-—=Northland-Area Federal Credit Union--—-—-- -- Address -1161 N Bagley-Street;-Alpena-; 

MI 49707-9800 —----—=-=-- 

4167 Elbow Laks Ros. 

Prescot, 

MI 40752 

BS CRLTSN

Gladwin-Clare County Appraisal Service 

AERIAL MAP ADDENDUM 

File No. 

 2293deer 

Case No. 

1415085107 

Bortower 

Steven Davis 

Property Address 

2293 Deer Ave 

~ w= City- Prescott 

Sms 

ros 

=Ogemaw---— —- 

Slate 

-—--Ml-——--—7ip Code 

~~ 

-48756--~ 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena , MI 49707-9800 

DAs BY 

¢4 brn 

PS 

SComsDL A 

Thomas RATETHOMas Rd, 

MESURE 

Ri 

as 

Geargia Edna tn:

Assessors Plat 

File No. 

 2293deer 

Case No. 

1415085107 

Borrower 

Steven Davis 

Property Address 2293 Deer.Ave 

City Prescott 

County 

Ogemaw 

State 

MI 

Zip Code 

48756 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena 

, MI 49707-9800 

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KNIGHT'S 

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Tax Data 

File No. 

 2293deer 

Case No. 

1415085107 

Borrower 

Steven Davis 

--Property Address 2293 DeerAve —..-—..._.. 

._. 

City Prescott 

County 

Ogemaw 

State 

MI 

Zip Code 

48756 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena 

, MI 49707-9800 

2293 Deer Ave, Prescott, Ml 48756-9363, Ogemaw County 

APN: 010-320-015-10 

 CLI| 

I 

Beds 

© 

FulBaths 

Half Baths 

SalePrice 

Salo Date 

| 

NA 

NA 

NA 

NA 

NA 

| 

Bldg Sq Ft 

Lot Sq Ft 

Yr Built 

Type 

| 

NIA 

24,957 

NA 

SFR 

i OWNER INFORMATION 

i 

Owner Name 

i 

Tax Bi ing Address 

SawyerVincentp 

TarpayerZp 

484d 

2124 Shoreline Dr 

Taxpayer Address ZIP + 4Code 

_sm2 

Lapeer, Mi 

oo 

_ Owner Occupied 

iN 

1 

communtiy insiants 

Tr 

h 

i 

TT 

Median 

Home Valus 

J 

‘School District 

WHITTENORE PRESCOTT AREAS 

Men 

iame Voi 

Raity 

Femi 

Fiendy Seo 

orien 

Tol 

Tob Cape 

Telain 

ig Sesotho es 

Walkable Score 

2/100 

TolalInckdents 

(1y) 

oo 

) 

Qt Homa Price Forecast 

| $68,727 

Standardized 

Test Rank 

147300 

or 

*Last2 

Vr Home Appreciation 

21% 

| 

LocATion INFoRmATION 

Schoo District ~~ 

| Whittemore-Presc 

Properly Camlor Route ~~ 

| 

R008 

Subdivision 

1 

mer Knights Sportsmans Sub 

City/Village/Township 

Gensus Tract 

9509.01 

Lot 

Census Block Group 

ang 

Co 

oo 

Flood Zone Code 

Property Zip Code 

48756 

Flood Zone Panel 

i 

Zip+4 

| 9363 

Within 250 Feel of Multiple Flood Z 

| No 

"winter Tax Year 

WIIBTEX 

er 

ercnnne 

Prior Summer Tax Year 

Asser 

pg i 

NS suBD 

5,1 

13 

seme 

. 

54 

mT 

a 

- 

pera 

ey 

‘AssessmentYear 

2025 

CTT 202s 

I 

2023 

Assessed Value - Total 

530,000 

) 

530,000 

38,700 

"YOY Assessed Change ($) 

$0 

IE» 

{Ta 

’ 

: 

YOY Assessed Ghange (3) 

0% 

“22.48% 

Stale Equalized Value (SEV) 

$30,000 

or 

Capped Value 

$26,784 

Tax Year 

Total Tax 

202 

TT 

i 

CT 

Tse

Borrower 

Steven Davis 

Tax Data 

File No. 

2293deer 

Case No. 

1415085107 

- 

Property Address 2293 DeerAvVe. .—..........__ 

Em. 

City Prescott 

County 

Ogemaw 

State 

MI 

Zip Code 

48756 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena 

, MI 49707-9800 

Ad Valorem 

Tax 

sas 

_ 

Far 

Rs 

| sescons 

A 

EE 

I 

So 

TT 

Rang 

| Verylow 

© 

ValieAsof 

| 2025-11-09 04:38:33 

Sell Soro 

i283 

UE 

| LAST MARKET SALE & SALES HISTORY 

oT 

) 

1 

 RecordingDate 

 owiges 

OwnerName SawyerVincentP 

Uber/Page 

| 3000077 

| 

Ganlor 

Owner Record 

_.Desd Type 

1 Dard (Reg) 

L 

Recording Date 

00/1999 

Grantee 

‘Sawyer Charles W 

Selier Name 

_ 

Reco 

Document Number 

[ 

Deed Type 

eg) 

PROPERTY MAP 

i 

i 

2108 

Donald Dr 

John Sleeve 

FIQPPOL, 

“Elo take Rd- 

—==~Maybelle St -Hhickleberry Ae cre 

ad 

i 

{Catherine Ct-* -Daar Ava -—— 

£ 

“Guorge SU 

25 

yards 

200 yards 

Map data 22025; 

or 

Hap dats ©2025] 

“Lok Diseases we Extinsled 

I 

PYRE] MOGE

License 

File No. 

 2293deer 

Case No. 

1415085107 

Borrower 

Steven Davis 

Property Address 2293 Deer Ave 

City Prescott 

County 

Ogemaw 

State 

MI 

ZipCode 

48756 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena; MI 49707-9800 

DEPARTMENT OF LICENSING AND REGULATORY AFFAIRS 

BUREAU OF PROFESSIONAL LICENSING 

P.O. BOX 30670 

LANSING, MI 48909 

STATE 67 MICHIGAN = JEPARTADNT OF LICENSING AND REGULATORY AFFALXS 

BUREAU 

OF PROFESSIONAL LICENSING 

CERTIFIED RESIDENTIAL REAL ESTATE APPRAISER 

LICENSE 

KYLE 

ROBERT KIGAR 

Lrcense Ko. 

EXPIRATION DATE 

1204006427 

07/31/2026 

24184150715 

KYLE 

ROBERT 

KIGAR 

209 

W 

CEDAR 

AVE 

W 

CEDAR 

AVE 

GLADWIN. 

MI 

48b2Yy 

COMPLAINT INFORMATION: 

‘THE ISSUANCE OF THIS LICENSE SHOULD NOT BE CONSTRUED. 

AS AWAIVER, DISMISSAL 

OR ACQUIESCENCE 

TO ANY 

COMPLAINTS OR VIOLATIONS PENDING AGAINST THE 

LICENSEE, ITS AGENTS OR EMPLOYEES, 

FUTURE CONTACTS: 

YOU SHOULD DIRECT INQUIRIES REGARDING THIS LICENSE OR 

ADDRESS CHANGES TO THE DEPARTMENT OF LICENSING AND 

REGULATORY AFFAIRS BY EMAILING BPLHELP@MICHIGAN.GOV 

OR CALL (517) 241-0199. 

awercuen warn 

LiL 

STATE “OF MICHIGAN 

DEPARTMENT 0F LICENSING 

AND REGULATORY AFFAIRS 

BUREAU’ OF "PROFESSIONAL LICENSING 

CERTIFIED RESIDENTIAL REAL ESTATE: APPRAISER. LICENSE 

KYLE ROBERT KIGAR 

3 

{

E and O 

File No. 

 2293deer 

Case No. 

1415085107 

Borrower 

Steven Davis 

Property Address 2293 DEerAVe o-oo 

ooo 

a 

—— 

—— 

City Prescott 

County 

Ogemaw 

State 

Ml 

Zip Code 

48756 

Lender/Client 

Northland Area Federal Credit Union 

Address 

1161 N Bagley Street, Alpena 

, MI 49707-9800 

EHR 

Agency 

Branch 

078990 

969 

Prefix 

Policy 

Nurnber 

Declarations 

1. 

NAMED INSURED AND MAILING ADDRESS: 

Kigar Realty LLC Coldwell Banker Kigar 

Gladwin-Clare County Appraisal Services 

209 West Cedar Avenue 

Gladwin, MI 48624-2019 

Real Estate Professionals 

Errors and Omissions Policy 

Insurance is provided by 

Continental Casualty Company, 

151 North Franklin Street, Chicago, IL 60606 

A Stock Insurance Company. 

NOTICE TO 

POLICYHOLDERS: 

The Errors and Omissions Liability coverage 

afforded by this palicy is on a Claims Made 

basis. Please review the policy carefully 

and discuss this coverage with your 

Insurance agent or broker. 

2. 

POLICY PERIOD: 

Inception: 07/30/2025 

Expiration: 07/30/2026 

at 12:01 A.M. Standard time at your address shown above. 

3. 

ERRORS AND OMISSIONS LIABILITY: 

A. Limits of Liability: 

Each Claim: 

$1,000,000 

Aggregate: 

$1,000,000 

B. Discrimination Limits of Liability: 

$250,000 

C. Deductible: 

Each Claim: 

~~ $2,500 

D. 

First Coverage Date: 

07/30/2025 

E. Retroactive Date: 

Full 

4. 

PREMIUM 

$2,345 

Total Premium: 

$2,346.00 

5. 

FORMS AND ENDORSEMENTS ATTACHED AT INCEPTION: 

GCNAB5781XXC 

Real Estate Professionals Errors and Omissions Liability Policy

Retail

[>]

umrep mares

vi

48809

U.S. POSTAGE PAID

FCM LG ENV

DAVISON, MI 48423

APR 14, 2026

$3.56

82324H502752-27

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