zakharova.pdf

Rita Zakharova Petitioner V Township Of Bloomfield Respondent · 26-000883-TT

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GRETCHEN WHITMER 

GOVERNOR 

STATE OF MICHIGAN 

LANSING 

MAR 2 5 2026 

MICHIGAN TAX TRIBUNAL 

DEPARTMENT OF LICENSING AND REGULATORY AFFAIRS 

MARLON 

I. BROWN, DPA 

DIRECTOR 

PROPERTY TAX APPEAL PETITION FORM 

POVERTY EXEMPTION 

Exemption, or other exemption disputes. 

Do not use this form to appeal Principal Residence Exemption, Qualified Agricultural Exemption, Disabled Veterans 

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 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 

Rita Zakharova 

Zakharova 

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

290 Marlborough 

City or Town 

State 

ZIP Code 

Bloomfield TWp 

48302 

Telephone Number 248-745-4904, 248-722-1 432 

rita1249@yahoo.com 

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

Section 2: Petitioner’s Attorney/Authorized Representative’s Contact Information 

ML 

First Name 

Rita 

Last Name 

Zakharova 

Firm Name (if any) 

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

290 Marlborough Dr 

City or Town 

Bloomfield twp 

State 

Michigan 

ZIP Code 

Telephone Mimi 048-745-4904, 248-722-1432, rita1249@yahoo.com 

rita1249@yahoo.com 

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

Section 3: Subject Property Information 

Parcel Identification Number: 

C-19-03-327-021 

Property Address (No., Street) 

290 Marlborough 

City or Town 

County 

State 

ZIP Code 

Bloomfield twp 

Oakland 

MI 

48302

STATE OF MICHIGAN 

GRETCHEN WHITMER 

DEPARTMENT OF LICENSING AND REGULATORY AFFAIRS 

MARLON I. BROWN, DPA 

GOVERNOR 

LANSING 

DIRECTOR 

Section 4: Explain the Reason for this Appeal 

After 

| went on My Social Security (being 67 years old). 

| am 76 years old. My income became very low. 

| worked 

for 22 years, but it was back then when my wage was $6-7 an hour.sometimes 70 hours per week. So my Social 

Security amount is lower than SSI. But, instead of receiving SSI, 

| worked for 22 years and my company helped mg 

to pay for my retirement plan. So, now 

| have a retirement plan. 

| have retirement money, which gives me 

additional $1500 PER Year. Every year (at time of applying for poverty exemption 

| showed my tax from my 

Annuity, which showed exactly how much 

| received from my pension. This year 

| gave them yearly statements 

from my Annuity. This statement show my Annuity account, plus it tells that these money 

| can get if I'm taking 

Annuity for life. Otherwice it will give me just part of these money, which will be lower than 

| paid them (plus - my 

company) for 20 years. So, they decide that these money (from Annuity) - is my asset. Every year they adjusted m 

property tax, according to my income, including my retirement money, and this year they considered my pension 

(which I'm receiving FOR LIFE) as my asset. So they didn't considered my retirement money which 

| can get 

yearly, but as my asset in full, even 

| can't use these money, because this is my pension and 

| receive just 4.5% of 

these money. And it adds to my yearly income just little money to my SS payment of $1001 per month. Having 

such inflation as it's now, 

| can't survive on these money, and they want me to pay half of my income for property 

tax. Plus, they MADE me to have city water, instead of Well water, and now 

| pay additional money for project of 

City water as $2000 for 20 years. 

| can't get any Homestead credit for these money, they are not included in regula 

Section 5: Jurisdictional Issues 

Did you request a poverty exemption at a Board of Review (BOR)? 

Yes 

[]No 

If Yes, check which BOR you attended: 

March 

[Hl] July 

|| December 

If No, please explain: 

Date the BOR decision was issued: 

03/06/2026 

Tax year(s) denied: 2026 

Fee Information 

There is no fee required for the filing of a poverty exemption appeal. 

Signatugf) required 

Petitioner, 

ey/Authgrized Representative’s Signature: 

a 

’ Wisi ay 

Rita Zakharova 

lah 

J

After 

| went on My Social Security (being 67 years old). 

| 

am 76 years old. My income became very low. 

| worked for 22 

years, but it was back then when my wage was $6-7 an hour. 

Sometimes 70 hours per week. So my Social Security amount is 

lower than SSI. But, instead of receiving SSI, 

| worked for 22 

years and my company helped me to pay for my retirement 

plan. So, now 

| have a retirement plan. 

| have retirement 

money, which gives me additional $1500 PER Year. 

Every year (at time of applying for poverty exemption) 

| 

showed my tax from my Annuity, which showed exactly how 

much 

| received from my pension. This year 

| gave them yearly 

statements from my Annuity. This statement shows my Annuity 

account, plus it tells that this money 

| can get if I'm taking 

Annuity for life. Otherwise it will give me just part of these 

money, which will be lower than 

| paid them (plus - my 

company) for 20 years. So, Bloomfield TWP. decide that these 

money (from Annuity) - is my asset. Every year they adjusted 

my property tax, according to my income, including my 

retirement money, and this year they considered my pension 

(which I'm receiving FOR LIFE) as my asset. So they didn't 

consider my retirement money which 

| can get yearly, but as 

my asset in full, even 

| can't use these money, because this is

survive on this money and they want me to pay half of my 

income for property tax. 

Plus, they MADE me to have city water, instead of Well 

water, and now 

| pay additional money for project of City water 

as $2000 for 20 years. 

| can't get any Homestead credit for this 

money, they are not included in regular property Tax. If I'll pay 

full tax, 

| will not survive. I'll be without my home. 

| do not have 

equity on My home. 

| owe money to Oakland Home 

improvement division, so if I'll sell my home they (Oakland 

County) will take money from me. (I do not have to pay them 

my loan as long as 

| live in this house). Otherwise they will take 

money from me, and I'll go on a street.

The following table shows the calculation of the sum of Capped Monthly Rates during the past year. 

$ & P 500 Index 

Monthly Cap 1.00% 

Policy 

Monthly 

Month 

Index Rate 

1 

5.056% 

2 

-2.183% 

3 

2.003% 

4 

-3.611% 

5 

-13.154% 

6 

11.358% 

7 

5.113% 

8 

5.725% 

9 

0.316% 

10 

2.894% 

11 

3.615% 

12 

1.199% 

Sum of Capped Monthly Rates: 

Annual Index Rate: 

Capped 

Monthly Rate 

1.000% 

-2.183% 

1.000% 

-3.611% 

-13.154% 

1.000% 

1.000% 

1.000% 

0.316% 

1.000% 

1.000% 

1.000% 

-10.63% 

0.00% 

Nasdaq - 100 Index 

Monthly Cap 1.00% 

Policy 

Monthly 

Month 

Index Rate 

1 

5.921% 

2 

-0.462% 

3 

1.557% 

4 

-4.754% 

5 

-15.662% 

6 

14.773% 

7 

7.910% 

8 

6.124% 

9 

0.663% 

10 

2.754% 

11 

4.791% 

12 

3.367% 

Sum of Capped Monthly Rates: 

Annual Index Rate: 

If you are on scheduled payouts, you may have the ability to change your income tax withholding election. 

To do so for future payments, please go to www.irs.gov to obtain the current w4-P form and send it to us. 

Capped 

Monthly Rate 

1.000% 

-0.462% 

1.000% 

-4.754% 

-15.662% 

1.000% 

1.000% 

1.000% 

0.663% 

1.000% 

1.000% 

1.000% 

-12.21% 

0.00%

2026 BOARD OF REVIEW DECISION 

FROM 

CHARTER TOWNSHIP OF BLOOMFIE 

4200 TELEGRAPH RD, PO BOX 489 

BLOOMFIELD HILLS, MI 48303 

NAME AND ADDRESS OF OWNER OR PERSON NAMED ON ASSESSMENT ROLL: 

PROPERTY IDENTIFICATION: (Parcel Code required. Property 

and legal description optional.) 

¢-19-03-327-021 

290 MARLBORC 

ZAKHAROV, RITA 

290 MARLBOROUGH DR 

T2N, RI OE, SEC 3 SOUTH BLOOMFIELD HIGHLAND! 

BLOOMFIELD HILLS, MI 48302-0646 

LOT 188 

The Board has completed their review of parcel number C -19-03-327-021 

They have made the following determination based on the information you supplied. 

Board of Review Comments 

DOES NOT PASS ASSET TEST 

2026 ORIGINAL ASSESSED VALUE 

200,640 

2026 "BOARD OF REVIEW" ASSESSED VALUE 

200,640 

(If the above amounts are the same, no revisions have occured) 

2026 ORIGINAL TAXABLE VALUE 

102,030 

2026 "BOARD OF REVIEW" TAXABLE VALUE 

102,030

FISCAL YEARS 

‘RETURN UPPER PORTION WITH REMITTANCE 

CHARTER TOWNSHIP OF BLOOMFIELD 

2025 WINTER TAX STATEMENT 

School / Art Authority 

Huron-Clinton Metro Park 

OC Parks / Zoo / OC Transit 

Bloomfield Township 

17, 2026 

026 

AFTER FEBRUARY 17 

FAILURE TO RECEIVE BILL DOES NOT WAIVE PENALTY 

- 07/01/2025 to 06/30/2026 

- 01/01/2026 to 12/31/2026 

- 10/01/2025 to 09/30/2026 

- 04/01/2025 to 03/31/2026 

Beaten Address 

-19-03-327-021 

Cc 

ZAKHAROV, RITA 

290 MARLBOROUGH DR 

BLOOMFIELD HILLS, MI 48302-0646 

[81S NOTA BILLIE YOURIMO} 

XES: IF THIS APPLIES; PLEASE RETAIN THIS E 

: 

© FORYOURRECORDS 

= 

= 

290 MARLBOROUGH DR 

BLOOMFIELD HILLS, MI 48302-0646 

Partial Description of Property 

T2N, R10E, SEC 3 SOUTH BLOOMFIELD HIGHLANDS SUB 

LOT 188 

TGAGE COMPANY.PAYS YOUR 

BEGINNING MARCH 3, 2026 all unpaid 2025 taxes must be paid to 

Oakland County Treasurer, 1200 N Telegraph Rd, Pontiac MI 48341 

BILL NO. 

*P.R.E. TAX BASE | PARCEL ID NUMBER | SCHOOL DISTRICT 

202734 

25,330 

|C -19-03-327-021 

63080 

% DECLARED | *NON P.R.E. TAX 

STATE EQUALIZED 

AS P.RE. 

BASE 

TAXABLE VALUE 

VALUE 

100.0000% 

25,330 

25,33C 

MILLAGE 

RATE 

AMOUNT 

ADMINISTRATION FEE 

NONE 

SCHOOL OPERATING 

9.00000 

EXEMPT 

SCHOOL DEBT 

1.37500 

4.82 

SINKING FUND BL 

0.34530 

8.74 

SUPPLEMENTAL 

2.19180 

55.51 

HURON CLINTON 

0.20500 

5.19 

CNTY PARKS 

& REC 

0.64610 

16.36 

OAKLAND TRANSIT 

0.94070 

23.82 

TWP OPERATING 

2.12130 

53.73 

ROAD MAINT 

0.66250 

16.78 

PUBLIC SAFETY 

6.35330 

160.92 

SAFETY PATHS 

0.44690 

11.31 

SENIOR SERVICES 

0.32990 

8.35 

LIBRARY 

1.84820 

46.81 

CAPITAL PROJECT 

0.32420 

8.21 

DRAINS 

0.06300 

1.59 

Z00 AUTHORITY 

0.09350 

2.36 

ART INSTITUTE 

0.19250 

4.87 

S BLMFLD HL WATE 

2,012.67 

me 

[) 

See reverse side of bill for payment options, or visit 

www.hloomfieldtwpmi.gov/paymentoptions 

Payments by mail will be recorded on the date received. 

POSTIVIARKS NOT ACCEPTED AS TIMELY PAID. 

Checks accepted only as a conditional payment. If not honored by 

bank, tax is unpaid and subject to interest, penalty and NSF fee. 

DUE BY FEBRUARY 17, 2026 

RETAIN THIS LOWER PORTION FOR YOUR RECORDS 

YOUR CANCELED CHECK IS YOUR RECEIPT 

with additional penalties. During the month of March, a revised 

TOTAL 

INT/PENALTY 

| 

TOTAL PAID 

BALANCE 

statement from the Township Treasurer must accompany your 

remittance to the County Treasurer. 

2,472.04 

0.00 

0.00 

2,472.04 

H 

*P.R.E. = Principal Residence Exemption 

OFFICE HOURS: MONDAY - THURSDAY 7:00 AM 

- 5:30 PM 

* SEE WWW. BLOOMFIELDTWPMI.GOV FOR MORE INFORMATION

Notice of Cost-of-Living Adjustment (COLA) 

Hello RITA ZAKHAROVA 

Your Social Security benefit will increase by 2.8% in January 2026. Next year, receive your benefit 

information up to three weeks earlier by creating an online my Social Security account at 

www.ssa.gov/myaccount. You can 

How Much You Will Get In 2026 (After Deductions) 

Monthly Amount 

Your monthly benefit in 2026 after deductions 

This monthly amount may include deductions not listed above. 

$1,001.00 

fit. 

use this letter as proof of your benefit amount if you need to apply for food, rent, or energy assistance. You can 

also use it to apply for bank loans and for other business. Keep this letter with your important financial records 

or access this information anytime online by signing in to your personal my Social Security account. 

How Much You Will Get In 2026 (Before Deductions) 

Monthly Amount 

Your monthly benefit in 2026 before deductions 

$1,001.00 

2026 Common Deductions 

Monthly Amount 

-$0.00 

Medicare Medical Insurance (Part B and Part C) 

If you did-not have Medicare as ofNovember 

pays your premiu we show $0.00. 

For more information about your COLA and other benefits-related topics such 

as Medicare, Ticket to Work, Reporting Wages, Earnings Limits, Other Pensions, 

and more, go to www.ssa.gov/cola or scan the QR code. 

If you would like @ paper copy of any of this information, please contact us.

@ 

Allianz 

Life 

| 

C 

A 

1 anc Company 

Allianz () 

PO Box 59060 

Minneapolis, MN 55459-0060 

2025 Annual Contract Statement 

800.950.1962 

for your MasterDex 10 Annuity 

We are pleased to provide this annual statement 

#BWBBFYY 

for your MasterDex 10 Annuity. Your contract 

RITA ZAKHAROVA 

values as of your contract anniversary date are 

290 MARLBOROUGH DR 

shown below. These values are based on your 

BLOOMFIELD HILLS MI 48302-0646 

prior contract year. You may now access 

information regarding contract values, withdrawals 

and available forms at www.allianzlife.com. 

Annuitant 

Contract date 

Contract number 

RITA ZAKHAROVA 

11/06/2006 

70505917 

Plan type 

Agent 

IRA 

DANIEL PATRICK ORFIN 

Detail for contract year beginning 11/06/2024 and ending 11/05/2025 

Annuitization Value 

The Annuitization Value is the greater value that is received when a qualifying annuity option is selected. 

Beginning Annuitization Value 

$11,695.74 

The Annuitization Value is equal to 100% of premium 

Interest Eamed 

$225.81 

“pad, pis Te BONUS alt amy 

terest earned, minus 

Current Interest Rate 

2.00% 

any reductions caused by applicable charges or 

Partial Surrender/Withdrawal 

Litt) 

withdrawals you take. The Annuitization Value is 

Ending Annuitization Value 

$11,276. 

available only if you wait until the sixth contract year 

and then take annuity payments either for a period of 

Annualized increase in Annuitization Value 

2.94% 

at least 10 years or for the life of the annuitant. 

A 

I 

o 

aver prem (rsluding 100% Gitte 

Please refer to your contract for more Specs 

bonus amount and index and interest 

credits) less withdrawals. 

information on how to receive the highest value 

possible. 

Cash Value 

The Cash Value is the amount available to you should you select a lump-sum payment from your contract. 

Beginning Gash Value 

$8,763.11 

The Cash Value is equal to 87.5% of premium paid, 

Ending Cash Value 

$8,485.44 

minus any reductions caused by withdrawals you take, 

all accumulated at no less than 1.5% interest 

compounded annually. The Cash Value does not include 

the premium bonus or any of the fixed or indexed 

interest that is credited to the Annuitization Value.

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Allianz @) 

PO Box 59060 

. 

Minneapolis, MN 55459-0060 

2025 Annual Contract Statement 

800.950.1962 

for your MasterDex 10 Annuity 

We are pleased to provide this annual statement 

#BWBBFYY 

for your MasterDex 10 Annuity. Your contract 

RITA ZAKHAROVA 

values as of your contract anniversary date are 

290 MARLBOROUGH DR 

shown below. These values are based on your 

BLOOMFIELD HILLS MI 48302-0646 

prior contract year. You may now access 

information regarding contract values, withdrawals 

and available forms at www.allianzlife.com. 

Annuitant 

Contract date 

Contract number 

RITA ZAKHAROVA 

11/06/2006 

70505934 

Plan type 

Agent 

IRA 

DANIEL PATRICK ORFIN 

Detail for contract year beginning 11/06/2024 and ending 11/05/2025 

Annuitization Value 

The Annuitization Value is the greater value that is received when a qualifying annuity option is selected. 

Beginning Annuitization Value 

$9,535.96 

The 

Anpuitizati 

Jue is equal to 100% of premium 

Partial Surrender/Withdrawal 

alley 

SE 

interest earned, minus 

Ending Annuitization Value 

$9,133. 

any reductions caused by applicable charges or 

withdrawals you take. The Annuitization Value is 

Annualized increase in Annuilization Value 

2.84% 

available only if you wait until the sixth contract year 

over premium (including 100% of the 

and then take annuity payments either for a period of 

bonus amount and index and interest 

at least 10 years or for the life of the annuitant. 

i 

i 

als. 

- 

CHBtATR) Togs wetlisuls 

Please refer to your contract for more specific 

information on how to receive the highest value 

possible. 

Cash Value 

The Cash Value is the amount available to you should you select a lump-sum payment from your contract. 

Beginning Cash Value 

$7,199.40 

The Cash Value is equal to 87.5% of premium paid, 

Ending Cash Value 

$6,975.67 

minus any reductions caused by withdrawals you take, 

all accumulated at no less than 1.5% interest 

compounded annually. The Cash Value does not include 

the premium bonus or any of the fixed or indexed 

interest that is credited to the Annuitization Value.

.

Allianz Life Insurance Company 

of North America 

PO Box 59060 

Minneapolis, MN 55459-0060 

800.950.1962 

#BWBBFYY 

RITA ZAKHAROVA 

290 MARLBOROUGH DR 

BLOOMFIELD HILLS MI 48302-0646 

Annuitant 

Contract date 

RITA ZAKHAROVA 

09/28/2008 

Plan type 

Agent 

IRA 

DANIEL PATRICK ORFIN 

Allianz @) 

2025 Annual Contract Statement 

for your Allianz MasterDex 10 Plus Annuity 

We are pleased to provide this annual statement 

for your Allianz MasterDex 10 Plus Annuity. Your 

contract values as of your contract anniversary 

date are shown below. These values are based on 

your prior contract year. You may now access 

information regarding contract values, withdrawals 

and available forms at www.allianzlife.com. 

Contract number 

70680039 

Detail for contract year beginning 09/28/2024 and ending 09/27/2025 

The Appuitizafion Valug is gqual to 100% of premium paid, 

plus the bonus and 

any interest earned, minus any reductions 

caused by applicable charges or withdrawals you take. The 

Annuitization Value 

The Annuitization Value is the greater value that is received when a qualifying annuity option is selected. 

Beginning Annuitization Value 

$9,685.58 

Interest Credit 

$120.86 

Partial Surrender/Withdrawal 

Sl] y 

Ending Annuitization Value 

,397. 

Annuitization Value is available only if you wait until the sixth 

contract year and then take annuity payments either for a 

period of at least 10 years or for the life of the annuitant. 

Please refer to your contract for more specific information on 

how to receive the highest value possible. 

! Contract values are reduced proportionately for a partial surrender. 

See your contract for additional details. 

Cash Surrender Value 

The Cash Surrender Value is the amount available to you should you select a lump-sum payment from your contract. 

Beginning Cash Surrender Value 

Ending Cash Surrender Value 

$4,849.09 

$4,583.39 

The Cash Surrender Value is equal to 87.5% of premium paid 

minus any withdrawals, all accumulated at 1.5% interest 

compounded annually. The Cash Surrender Value does not 

include the premium bonus or any of the fixed or indexed 

interest that is credited to the Annuitization Value.

Allocation detail for Contract year beginning 11/06/2024 and ending 11/05/2025 

$ & P 500 Index 

Nasdaq - 100 Index 

Interest Allocation 

Beginning Allocated Value 

$0.00 

$0.00 

Beginning Allocated Value 

~~ $11,695.74 

New Premium Allocation 

100.00% 

0.00% 

New Premium Allocation 

0.00% 

Current Values Allocation 

0.00% 

0.00% 

Current Values Allocation 

100.00% 

Initial Index Value 

5,782.76 

20,227.46 

Withdrawals * 

($494.99) 

Ending Index Value 

6,796.29 

25,620.03 

Interest Earned 

$225.81 

Monthly Cap Rate 

1.00% 

1.00% 

Ending Allocated Value 

$11,426.56 

Participation Rate 

100.00% 

100.00% 

Annual Index Rate 

0.00% 

0.00% 

Index Adjustment 

$0.00 

$0.00 

Reallocated Amount 

$0.00 

$0.00 

Ending Allocated Value 

$0.00 

$0.00 

#This will include any policy withdrawals and/or rider charges. 

The following pie chart represents your allocated values. 

$ & P 500 Index Allocation 

$0.00 

Nasdaq - 100 Index Allocation 

$0.00 

Interest Allocation 

$11,426.56 

100% 

Allocation percentages are rounded. 

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CNT My png 

ad 

Beginning contract year 11/06/2025 

If you would like to make changes to your premium allocation percentages, your reallocation percentages, and/or to reallocate your 

Annuitizatign value, please complete. andurcturnsthe-enclosed.reallocation form within 21 days following your policy anniversary. 

If notice is received after 21 days, changes will not be effective until the beginning of the next policy year. 

S & P 500 Index 

Nasdaq - 100 Index 

Interest Rates 

Monthly Cap Rate 

1.00% 

1.00% 

New Current Interest Rate 

2.00% 

Participation Rate 

100.00% 

100.00% 

Initial Index Value 

6,796.29 

25,620.03

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