26-000228 Attachments to Petition.pdf
Mary Rose Birch, Petitioner V Township Of Peaine, Respondent · 26-000228-TT
Text extracted from the reviewed PDF, organized by page. OCR and reading order may contain errors; confirm details in the PDF below.
Page 1
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Petition to Appeal Principal Residence Exemption Denial
To: Michigan Tax Tribunal
Re: Appeal of Principal Residence Exemption (PRE) Denial
Property Location: 31153 Camp 3 Trl Beaver Island, Michigan 49782 {formerly the address of combined PIN’s}
Parcel Number: 15-012-129-005-50
Dear Tribunal:
Petitioners respectfully appeal the denial of the Principal Residence Exemption (PRE) on the adjoining parcel identified above.
Petitioners are the owners and occupants of the property located at the address listed above, which serves as their principal residence. The
property consists of two contiguous residential parcels that share a common boundary and are owned by the same household.
Historically, the property existed as a single parcel and received a 100% Principal Residence Exemption {former PIN 15-012-129-013-00}. At
the recommendation of a real estate professional, the parcel was administratively split back into two parcels to allow the possibility of
marketing one portion for sale. Petitioners ultimately decided not to sell the property, and the residential use of the property has remained
unchanged.
One parcel contains the primary residence 15-012-129-005-60. The adjoining parcel 15-012-1 29-005-50 contains an accessory cabin used
exclusively by Petitioners and their family members in connection with the homestead property. The structure is not rented, leased, or
occupied by any separate household.
Petitioners and their family occasionally use the cabin seasonally, including for family visits by grandchildren and in connection with maple
syrup production on the property
. These activities are part of the family’s use of the property as a single homestead.
Under Michigan Compiled Laws §211.7dd, a principal residence includes:
“all of an owner's unoccupied property classified as residential
that is adjoining or contiguous to the dwelling”
The adjoining parcel satisfies each element of the statute:
« The parcels are contiguous and share a boundary
« Both parcels are under identical ownership
« Both parcels are classified as residential property
« The adjoining parcel is not occupied as a separate residence
The presence of an accessory cabin on the adjoining parcel does not transform the parcel into a separately occupied residence. The cabin
functions solely as an accessory structure used by Petitioners’ household and family members as part of the homestead.
Guidance issued by the Michigan Department of Treasury clarifies that “unoccupied property” refers to property not occupied by tenants or
a separate household. The statute does not require the property to be vacant or free of structures.
The township previously recognized the property as a single homestead by granting a 100% Principal Residence Exemption when the parcels
were combined. The subsequent administrative parcel split did not alter the ownership, occupancy, or residential use of the property and
therefore should not eliminate eligibility for the exemption.
The adjoining parcel continues to function as part of the residential curtilage of Petitioners’ homestead, and the property as a whole remains
a single principal residence under Michigan law.
For these reasons, Petitioners respectfully request that the Tribunal reverse the township’s denial and restore the Principal Residence
Exemption to the adjoining parcel.
Respectfully submitted,
Laurence & Mary Rose Birch
31153 Camp # Trl Beaver Island, M1 49782
231-448-3344
lhmrinc@aol.comPage 2
EXIT B lig of Treasury Local (City/T ownship) stice of Denial of Principal Residence Exemption >d under authority of Public Act 206 of 1893 h this notice, you are notified that the Principal Residence Exemption on the property identified below has n denied. If you have questions about the denial, you may contact your local government or follow the eal procedures specified below. For more information regarding the Principal Residence Exemption (PRE), 2se review the PRE guidelines at www.michigan.gov/pre. > or print in blue or black ink ART 1: PROPERTY INFORMATION Type or print legibly. Use a separate form for each property number. Property tax identification number 2. Name of Local Unit (Check Township or City) | 3. County Townshi 15-012-129-005-50 Ba CHARLEVOIX Street address of property (Provide a Complete Address) 31153 CAMP NUMBER THREE TRL Name of Owner (First, Middle, Last) 6. Owner's Last Four Digits of Social Security Number 7. Owner's Daytime Telephone Number BIRCH LAURENCE & MARY ROSE XXX-XX- Name of Co-Owner (First, Middle, Last) 9. Co-Owner's Last Four Digits of Social Security Number | 10. Co-Owner's Daytime Telephone Number XXX-XX- Mailing address if different than property address (street or RR#, city, state, Zip code) ) PO Box 4/0 Rusnver [Slend /) #77 _ Your exemption was denied/adjusted for the following reason: O a. The owner is not a Michigan resident. O b. The property claimed is not the owner's principal residence. O ¢. The person claiming the exemption is not the owner. 0d The person claiming the exemption, claimed or was granted, a substantially similar exemption in another state. ° N I~ 4 4 e. Other, MSS ACCENT Lut not Ln © CC fALK ApPli ced NOT Gran pada . Claim Denied for Calendar Year(s): 14. Percentage Adjusted to: » " (see instructions) J A ZAN ; / 0) / Yo ART 2: CERTIFICATION . Name of the Local Assessor (Print or Type) > y In TL T5r 00) ¢ | I'l [Oraac . Signature of Local Assessor 17. Date > / -s Sy [os /2 CS —— LC — 2 / &/F 3. Address and Telephone Number of Local Government J ’[ BOX 237 y2% 15M //] HL 970 © ). Email Address of Assessor [ on 5 4) ( Cd SOE€S5/ Ng (= § nds ° 244 ’ / Homeowner's Right to Appeal to the Residential/Small Claims Division of the Michigan Tax Tribunal within 35 Tax Tribunal can be initiated by the timely filing of a petition. The petition must = a Michigan Tax Tribunal form or a form approved by the Michigan Tax Tribunal. Michigan Tax Tribunal forms are available at ww.michigan.gov/taxtrib. You can print the Petition for Denial of Exemption for Principal Residence/Qualified Agricultural and ail the completed form to the Michigan Tax Tribunal at P.O.Box 30232, Lansing, Michigan 48909 or complete the form online nd submit electronically, if provided for by the Michigan Tax Tribunal. you disagree with this denial, you may appeal ays of the denial. An appeal with the Michigan
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sp EXHIBIT & Mzople- 001 etition to Board of Review L-4035 form is issued under the authority of P.A. 206 of 1893, as amended. Filing is voluntary, however, you may not appeal to the Michigan Tax Tribunal unless you first protest to the rd of Review, except when the property is classified as commercial real, industrial real, or developmental real. You may not appeal property classifications to the State Tax mission unless you first protest to the Bard of Review. BE COMPLETED BY OWNER OR OWNER'S AGENT wvner's Name (Please Print or Type) Petitioner's Name (If Other than Owner. Please Print or Type) BIRCH LAURENCE & MARY ROSE wnship or City County Year of Appeal PEAINE TOWNSHIP CHARLEVOIX e undersigned protests the assessed value and/or the tentative taxable value and/or the property classification and/or the qualified agricultural property exemption of following described property: operty Identified (Parcel code required. Property address and legal description optional) : 12-129-005-50 COM AT SW COR SEC 29 T38N R10W TH AL W LI SD SEC NODEG20'51"E 620FT BEING POB TH 012- - - SB9DEG52'50"E 637.24FT TO WLY LI OF CAMP THREE RD TH CONT S89DEG52'50"E 33.21FT TO C/L OF SD RD TH AL SD C/L NOBDEG23'55"W 162.11FT TH CONT AL SD C/L NO8DEG09'33"W 293.68FT TH CONT NLY AL SD C/L ON CUR TOLFT 121.3FT(RAD SD CUR 402.53FT & CHD BEARS N16DEG47'38"W 120.87FT)TH | ATER GRR NUMBER THREETRL N64DEG34'16"E 33FT TOELY LISD RD THNLY ALELY LI SD RD ON CUR TO LFT 50FT(RAD SD CUR 435.53 otested Item [] Assessed Value [] Tentative Taxable Status [] Classification [J] Qualifed Agricultural Taxable Value (exemption) Property Exemption PROTEST OF ASSESSMENT mplete this section for a protest of assessed value, including assessed value changes associated with exempt status and denied or late filed personal perty forms. sessed Value Owner's Estimate of True Cash Value(Market Value) 112,200 PROTEST OF TAXABLE VALUE mplete this section for a prtest of Taxable Value ason: [J Value of Losses [J Value of Additions [0 Poverty Exemption [J Uncapping % PROTEST OF CLASSIFICATION plete this section for a request to change the classification. The Board of Review must make their decision regarding classification in accordance with Section 211.34¢ of the higan Compiled Laws. The Board of Review shall not be influenced by the effect that a particular classification has on that property's status as a homeowner's principal residence ualified agricultural property. lassification of property on this year's assessment roll: 401 assification should be: (Please check one of the following) 1 Agricultural [J Industrial CO Timber Cutover O utility (Personal Property Only) 1 Commercial [0 Residential [pevelopmental PROTEST OF EXEMPTION FOR QUALIFIED AGRICULTURAL PROPERTY ie assessor has denied or changed the percentage of the exemption from the 18 mills of local school operating tax for qualified agricultural property, the rer may appeal this action to the March Board of Review. THE BOARD OF REVIEW HAS NO AUTHORITY TO CONSIDER OR ACT UPON THE =MPTION FROM THE 18 SCHOOL OPERATING MILLS FOR HOMEOWNER'S PRINCIPAL RESIDENCE PROPERTIES. ent qualified agricultural exemption granted by assessor: (Enter 0 if exemption is denied) Percent qualified agricultural exemption requested by Owner: (Enter 100 if full exemption requested) ASON FOR PROTEST e reason(s) for protest of assessed value and/or the tentative taxable value and/or taxable status and/or classification and/or qualified agricultural property exemption. Tie SeparaTiod oH Padi WIS Foe AOmnNSTelive Porpasss. [ifSe’ Plepeti (€] 42g ay Loaner I poder Lys Ty Peopesiy 1 Bemed Supe | muy Pom acy Pho ede RTIFICATION ! ' nature ) Date Phone Number _ ZA Cy A. 9 Hope v4 03/12/2026 251 448-33 dof www.michigan.gov/treasury
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15-012 -429-0¢ 5-50
WARRANTY DEED
CORPORATE TITLE AGENCY
(3/97)
The Grantors,
Michael Collins and Kelly Collins, husband and wife
whose address is
26235 Main Street, Beaver Island, MI 49782
convey and warrant to
Laurence Birch and Mary Rose Birch, husband and wife
whose address is
437 W. Roslyn Place, Chicago, IL 60614
the following described premises situated in the Township of Peaine, County of Charlevoix, State of Michigan, to wit:
PARCEL 4, FOX LAKE FOREST (Unrecorded Plat thereof)
Commencing at a Charlevoix County Marker at the Southwest corner of Section 29, Town38 North, Range 10 West; thence
along the West line of said section North 00°20°51” East 620.00 feet, being the Point of Beginning of this description; thence
South 89°52°50” East 637.24 feet to a % inch re-rod on the Westerly line of Camp Three Road; thence continuing South
89°52°50” East 33.21 feet to the center line of said road; thence along said center line North 06°23°55” West 162.11 feet; thence
continuing along said center line, North 08°09°33” West 293.68 feet; thence continuing Northerly along said center line on a
curve to the left 121.3 feet (radius of said curve is 402.53 feet and the chord bears North 16°47°38” West 120.87 feet); thence
North 64°34°16” East 33.00 feet to a % inch re-rod on the Easterly line of said road; thence Northerly along the Easterly line of
said road on a curve to the left 50.00 feet (radius of said curve is 435.53 feet and the chord bears North 28°43°03” West 49.87
feet); thence continuing along said Easterly road line North 32°00°23” West 94.52 feet to the South eighth line of said section,
as monumented; thence along said eighth line, North 89°50°51” West (recorded as North 89°52°05” West) 77.96 feet to the
Westerly line of said road; thence continuing along said eighth line, North 89°50°51” West (recorded as North 89°52” West)
429.23 feet to a % inch re-rod on the West line of said Section; thence along said West section line
, South 00°20°51”
West
705.68 feet to the point of beginning, being a part of the Southwest quarter of the Southwest quarter of Section 29, Town 28
North, Range 10 West.
The Grantors grant to the Grantees the right to make any and all available divisions under Section 108 of the Land Division
Act, Act 288 of the Public Acts of 1997.
Together with all and singular the tenements, hereditaments and appurtenances thereunto belonging or in anyway appertaining thereto.
SUBJECT TO all easements, reservations, rights-of-way and restrictions of record, if any.
This property may be located within the vicinity of farmland or a farm operation. Generally accepted agricultural and management
practices which may generate noise, dust, odors, and other associated conditions may be used and are protected by the Michigan Right
to Farm Act."
This deed is given for the sum of One Hundred Thirty-Three Thousand Five Hundred And 00/100 Dollars ($133,500.00).
Dated: September 16, 2005
Signed and Sealed: 71
4
Michael
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Kelly Collis
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State of Michigan
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County of CharlevoixPage 5
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15 012-129 605-00
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ANTRIM-CHARLEVOIX-KALKASKA ASSOCIATION OF REALTORS®
EAUAL HOUSING
REALTOR
PURCHASE AGREEMENT
OPPORTUNITY
Page 1 of §
Date:
Oam 0pm.
Real Estate Office:
Phone #
1:
BUYER'S OFFER:
the
Buyer(s), offers to buy through
, the following
{Print Name and Phone # of Listing Brokerage)
property located in the City/Township of
, County of
, Michigan,
commonly known as (street address):
legally described as:
subject to building and use restrictions, reservations and easements of record and zoning and other land use regulations;
for the sum of
$
2
THE TERMS OF PURCHASE shall be as indicated by "X" below. Payment of such money shall be made in
U.S. funds, through cash or cash equivalent payable to the appropriate title company or closing agent.
[J casH
Payment of the full purchase price upon execution and delivery of Warranty Deed.
CASH TO
Payment of the full purchase price upon execution and delivery of Warranty Deed, contingent upon
NEW
Buyer's ability to obtain, at Buyer's expense, a
mortgage loan in the amount of
[J MORTGAGE
. Buyer agrees to make application for said loan within ____ business
days of the effective date of this Agreement, and to obtain and furnish to Seller evidence of
conditional loan commitment within
business days of the effective date of this Agreement.
Buyer shall fumish Seller with unconditional loan commitment no later than
(Date)
oO an
payment upon execution and delivery of
[] Land Contract
(Form 556 or
comparable), or
[J purchase money note and mortgage,
wherein the balance of
$
shall be payable to Seller in monthly installments of $
or
more including interest at
9% per annum, interest to start on date of closing and first
installment payment to become due 30 days after closing.
Balloon payment, if any, in
years.
[J OTHER
See attached Addendum and/or Special Conditions at Paragraph 19 below.
3.
LAND DIVISION AND MINERAL RIGHTS:
If property is not platted, Seller shall convey to Buyer the right to make
[1] all availabie
[J zero/or
divisions under the Michigan Land Division Act. To the extent that
Seller possesses oil, gas and mineral rights, they
[J shal
[J shall not
be conveyed to Buyer.
4.
SURVEY REPORT: [J Certified Boundary Survey
[J Mortgage Inspection Survey
to be provided and paid
forby:
[] Buyer,
OJ seller,
[1 Not Requested.
5.
SALE TO BE CLOSED within
days after all necessary documents are ready. Buyer agrees to close on or
before
.
6.
OCCUPANCY:
Seller will provide occupancy as follows:
O
Immediately after closing. Buyer shall assume all risk or loss or damage not caused by acts of Seller
from date of closing.
a
Buyer $
per day as an occupancy charge.
At closing, Seller will pay $
days after closing by 12:00 noon.
From the date of closing to the date of vacating, Seller will
pay
to
[J Buyer
[1 Listing Broker.
for payment and application upon the occupancy charge, with any
unused
portion (attributable to early surrender of possession) to be paid/reimbursed to Seller.
Seller
is liable to
Buyer for damage to the property caused by Seller after closing and before vacating. Failure of Seller to
surrender possession in a timely manner shall constitute default, entitling Buyer
to (i) immediately file legal
proceedings for possession without need for notice to quit,
to
(ii) obtain
judgment for possession with
immediate writ of restitution, to (iii) collect from Seller a daily occupancy charge which is triple in amount to
that provided above and to (iv) collect from Seller all
of Buyers costs and expenses
in such regard,
ev. 08/14/07
including reasonable attomey fees.
Buyer's Initials
___/.
Seller's Initials
IPage 6
|
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|
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SHEET NO.
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OF
8
EXIT
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CERTIFICATE OF BOUNDARY SURVEY
£
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CERTIFIED TO: PAUL R.
& JANET R. GILSON
©
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c/o
Vacation Properties Netw
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St.
James, Michigan
48
Attn: Kevin White
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WEST QUARTER CORNER
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WITNESSES: (Found Charlevoix County
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$35
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FOX LAKE FOREST
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THE SOUTHWEST QUARTER OF THE SOUTHWEST QUARTER OF
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SECTION 20, TOWNSHIP 38 NORTH, RANGE
10 WEST
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AS MONUMENTED
SOUTH 1/8 LINE OF SEC.
29, T. 38N., R. 10 W.—
(REC. AS
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ABSTRACT
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(RECORDED AS 889°83'38"E 1327.88")
L—— SOUTH LINE OF SECTION 29, T.38 N., R. [0 W,——
CORNER COMMON TO SECTIONS
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30,
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and 32, Township 38 North, Range
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WITNESSES: (Found Charlevoix County
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$65
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12.53"
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530%
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9.80"
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[Ss remo Soe GY sha a DORN nis I, SEARCH All County Documents Parcel Search & Mapping Parcel Search & Mapping Parcel Map Search: Updated 02/18/2026 JOBILE FRIENDIY MAP - AD 3 Need help navigating the mapping application? CLICK HERE to download our tutorial. SEV and Taxable values displayed are 2025 values. PINOT 12900540 Owes BIRCH LAURENCE § MARY BOSE Ades PO BOLAND PEAVERISLAND, MIATTS2 ety Adress T1081 CAMP KINBER THREE ™® yn pet bn BEAVERIELAN Progert Ot Serool Dib 18 me 2025 Toe $1438) Ste TAARE G18 Estimates Acresge 8 812131 Puree Un NOTE This map has a merge of creo of +30 oct anc NOT moan 0 sti gush ary lego boundary, CANNOT be usod in place of a suc. and cannt any legal presentation of property Poa contact Eauahzstion at ‘ eth QuesIcrASMantS on the sppkcatson, 01 15 help ung Parcel "Tax Roll" Search: Updated 02/18/2026 CLICK HERE for mobile friendly or full window version. SEV and Taxable values displayed are 2025 values. Parcel Number: Address Number: Street Name: city: ° Property Class: xtav ° Taxable Status. : ° School District: * ° Note Delinquent Tax Search to search for parcel or delinquent tax information through BS&A's web site. yn | Employee Portal | Disclaimer of Privacy Policy ats | Boards, Commissions & Commit Cities & Townships Bids, Proposals & item ddan win. hss Set sen ny wh bg mad ss reserved Charlevoix County Transportation Authority reserved Charlevoix County Board of Commissioner's Meeting Powered by revize, the Government Website Exparts
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Copy oF ComBideD TAX BiLl- PEAINE TOWNSHIP VICKI SMITH, TREASURER PO BOX 16 BEAVER ISLAND MI 49782 BIRCH LAURENCE & MARY ROSE PO BOX 410 BEAVER ISLAND MI 49782 TAXPAYER NOTE: Please notify the Equalization Dept if name or address information is not correct (231)547-7230. additional information is needed to make the change, you will be contacted. RETURN THE TOP PORTION WITH PAYMENT LOCAL PROPERTY TAXES 2023 Winter exher Ho 202% LOCAL PROPERTY TAXES 2023 Winter TOTAL TAXES DUE IF PAID $3,429.98 if 15-012-129-013-00 02/01/24 12/01/24 01/24 Check must clear or receipt is void. E “EL NUMBER: PROPERTY ADDRE: 401 BEAVER ISLAND COMM SCHOOLS SCHOOL: 15010 Assessment & Tax Information online at: www. charlevoixcounty.org Legal Description: POB TH AL T PEAINE TWP TREASURER: (231)448-2161 EMAIL: TREASURER.PEAINETOWNSHIP@YAHOO.COM TOWNSHIP WEBSITE: WWW.PEAINETWP.ORG **CREDIT CARDS ACCEPTED - CALL 231-448-2161" DEC 1 - FEB 14: TAX & 1% ADMIN FEE DUE FEB 15 - FEB 29: ADDITIONAL 3% PENALTY & 1% INTEREST ADDED. MARCH 1, 2024 TAXES ARE DELINQUENT; PLEASE CALL THE CHARLEVOIX COUNTY TREASURER FOR AMOUNT DUE: 231-547-7202. FOR RETURN RECEIPT PLEASE INCLUDE SELF ADDRESSED STAMPED ENVELOPE FISCAL YEARS 213,800 160,352 MPTION %: 100.0000 TAXING AUTHORITY TAX RATE TAX AMOUNT BI SCH OP 15.39050 EXEMPT BI SCH DEBT 2.00000 320.70 CHAR EM ALLOC 0.19520 31.30 SPECIAL ED 64 0.64470 103.37 SPECIAL ED 20 1.46060 234.21 VOCATIONAL ED 0.75000 120.26 VOC ED PROGRAM 0.25000 40.08 CHAR EM ENHANCE 0.96770 1556:17 B. I. LIBRARY 1.00000 160.35 COUNTY TRANSIT 0.25000 40.08 CO SR CITIZEN 0.63560 101.91 COUNTY RECYCLING 0.14660 23.50 COUNTY PARKS 0.15000 24.05 COUNTY VETERANS 0.10000 16.03 COUNTY ROADS 0.97070 155.65 GRANDVUE OP 0.73340 117.60 TWP ALLOC 0.98410 157.80 VOTED OPER 19 1.25000 200.44 VOTED FIRE 0.90000 144.31 VOTED TRANSFER 1.20580 193.35 VOTED MED CENTER 1.93470 310.23 VOTED ROADS 20 1.00000 160.35 VOTED AIRPORT 0.75000 120.26 VOTED EMS 2.90000 465.02 Total Mills 36.56960 TAX & SPECIAL ASSESSMENTS 3,396.02 ADMINISTRATION FEE 33.96 TOTAL TAX DUE BY: 02/14/24 3,429.98 County: 10/01 - 9/30 Twn/Cty: 4/1 - 3/31 School: 7/1 - 6/30 10/1 - 9/30 TREASURER NOT RESPONSIBLE FOR PAYMENT ON WRONG PARCEL MAKE CHECK PAYABLE TO: PEAINE TOWNSHIP PO BOX 16 BEAVER ISLAND MI 49782
Page 10
EXPT He. TAEASNIL 164A) § A . i "7 pe [ZEASVEEL JeerlPiis CoB idEDd PAZcE CS Lg DOC NAN SH j 2, O tt &Xernl J &fo Db [3 Bret A= ema Gd BX counts Banoo ek ra : Subject: Peaine Tax Bill Date: February 1, 2024 at 1:49PM To: Mary Rose Birch maryrosebirch@strategopartners.com, LAURENCE P. BIRCH laurencepbirch@gmail.com VAIL Flom <JéendT Hi Mary Rose and Larry | received your winter tax bill "return to sender" on 1/30/24 - it is addressed to you PO Box 410 Beaver Island, MI 49782, not sure why it took so long since it was mailed 11/28/2023. | have attached it here for your convenience. As long as it is postmarked by February 14th, there will not be any penalties or interest. Vicki Smith Treasurer Peaine Township PO Box 16 Beaver Island, MI 49782 231-448-2161 Office 253-720-5692 cell
Page 11
Conpritp TA: BILL - Zoz) exper H [a - PEAINE TOWNSHIP Winter Bill 4: MESSAGE TO TAXPAYER PAYMENT INFORMATION PEAINE TWP TREASURER: (231)448-2389 EMAIL THiS ta% 18 due by: D2/Lij5055 TREASURER. PEATNETOWNSHI PEYAHOO. COM TOWNSHIP THES Tax ds que bys 02/1/2020 WEBSITE: WWW.PEAINETWP.ORG DEC 1 - FEB 14: TAX & 1% mail to: PEAINE TOWNSHIP ADMIN FEE DUE FEB 15 - FEB 28: ADDITIONAL 3% yicKl SMITH, TREASURER PENALTY & 1% INTEREST ADDED. AFTER 3/1/2 BEAVER ISLAND MI 49782 DELINQUENT; PLEASE CALL THE CHARLEVOIX COUNTY TREASURER FOR AMOUNT DUE: 231-547-7202 TAX DETAIL OPERTY INFORMATION i. FRC Y ble Value: 147,839 RESIDENTIAL-IMPROV Property Assessed To: Value: 182,500 Class: 401 BIRCH LAURENCE & MARY ROSE PRE/MBT %: Sooo PO BOX 410 FREESE EE SEs BEAVER ISLAND, MI 49782 Mort Code: COMM BEAVER Prop #: 15-012-129-013-00 Ss Prop Addr: 31153 CAMP NUMBER THREE TRL with no millage are either Special or other charges added to this bill. Legal Description: MILLAGE AMOUNT COM AT SW COR SE 620FT TH CONT NOODEEG20'S1"E 705. 68FT TO S1/8 LI SD H 589 5 3 OP 15.61860 EXEMPT (RECD AS SB9DEGS2'05"E) 42 CONT SBIDEG! >. 50000 EG52'05"E) 77.96FT TH 3"E 94.52FT DEG34'16"W 33FT TH S16DEGA7'38"E 1 0.19470 EG23'55"E 162.11FT TH 0.65280 3 7.66FT TO S LI SD ¢ i (RECD 1.47880 AS NBYDEGS3'38"W) 33.18FT TO WLY LI SD RD TH CO J NBIDEG52'50"W (RECD AS NBODEGS3'38"W) TO POB BEING P' 4 OF sW1/4 0.73480 SEC 29-38-10 (PARCELS 3&4 FOX LAKE FOREST) COMBINED ON 09/13/2012 012- 0.97980 129-005-50 & 012-129-005-60 096 24600 0.64400 0.14860 0.98350 0.14860 0.09900 109.85 145 184. 133.05 iT Bi, OPERATING FISCAL YEARS 290.65 The tax on bill will be used for al 3,063.30 operat for the following fi County 10/01 - Twn/ Ct 4/1 - TOTAL AMOUNT DUE ool TL = State: 10/1 ~ Does NOT affect when the tax is due or its amount Please detach along! perforation. Bill # WITH PAYMENT. THANK YOU. |S Ki g IA Chg 5 Te PLEASE RETURN THIS PORT Pay this to: Con BIER 1ATD PEAINE TOWNSHIP VICKI SMITH, TREASURER PO BOX 16 ene 14 ol BEAVER ISLAND MI 49782 ) s due by: 02/14/: addition: interest and fees apply for Prop #: 15-01 -013-00 TAXPAYER NOTE: Are your name & mailing address correct? Make Check Payable To: PEAINE TOWNS. If not, please make corrections below. Thank You. w Property Addr: 1153 CAMP NUMBER THREE TRL TOTAL AMOUNT DUE: 3,216.46 To: BIRCH LAURENCE & MARY ROSE PO BOX 410 iE nc RTA
Page 12
Weir From: I. Subject: Re: Split Request Date: April 29, 2025 at 4:28 PM To: Ce: Thank you Emily! We just wanted to correct this before tax bills go out. Have a great week, Mary Rose Mary Rose Birch CPA, MBA, CGMA Partner, Stratego Partners maryrosebirch@strategopartners.com cell: 630-750-7870 www.strategpartners.com Mary Rose Birch CPA, MBA, CGMA Partner, Stratego Partners maryrosebirch@strategopartners.com cell: 630-750-7870 www.strategpartners.com Mary Rose Birch CPA, MBA, CGMA Partner, Stratego Partners maryrosebirch@ strategopartners.com Mary Rose Birch maryrosebirch@strategopartners.com Emily Selph selphe @charlevoixcounty.org Mary Rose Birch maryrosebirch@strategopartners.com, Laurence P. Birch laurencepbirch@gmail.com Cell: 630.750.7870 phe e |
Page 13
On Apr 7, 2025, at 4:00 PM, Mary Rose Birch <maryrosebirch @strategopartners.com= wrote: Thanks Emily, It has been a wild year for sure. I thought we had it sold; but, now | think we will just leave it be. Butifitis the same tax set-up with 2 vs. 1 parcel | will leave it alone. | combined it to insure | had homestead on both properties. My question is ... do both properties still reflect resident on both. | want to ensure | am not upping my taxes because | had a failed sale. | will be paying so much to just clear this property from all the damage this week; ( With gratitude, Mary Rose Mary Rose Birch CPA, MBA, CGMA Partner, Stratego Partners gopartners.com Cell: 630.750.7870 On Apr 7, 2025, at 3:46 PM, Emily Selph <selphe@charlevoixcounty.org=> wrote: Mary, The split has already been completed for the 2025 assessments. The parcels could be re-combined for 2026, but if there is any chance you'll try to sell again in the next few years I'd suggest leaving them apart. Thanks, Emily Selph Equalization Director 231-547-7230 13513 Division Street Charlevoix, MI 49720 From: Mary Rose Birch <maryrosebirch@strategopartners.com=> Sent: Monday, April 7, 2025 1:16 PM To: Emily Selph <selphe@charlevoixcounty.org> Cc: Mary Rose Birch <lhmri l.com> Subject: Fwd: Split Request CAUTION. This email originated from outside your organization Exercise caution when opening attachments or clicking links, especially from unknown senders pee 2
Page 14
pres Emily, We took our home off the market after failing to gain interest from buyers; thus, we want to not split the Parcels. What do | need to do at this point? Thank you, | hope you are well this storm has been a nightmare ... we still don’t have power on Camp # 3 Trail. Mary Rose Mary Rose Birch CPA, MBA, CGMA Partner, Stratego Partners maryrosebirch @strategopartners.com Cell: 630.750.7870 Begin forwarded message: From: MARY ROSE BIRCH <lhmrin l.com Subject: Re: Split Request Date: July 2, 2024 at 10:42:45 PM CDT To: Emily Selph <selphe@charlevoixcounty.org> Cc: Mary Rose Birch <maryrosebirch @strategopartners.com=>, Heather Robinson <heather@baynorthrealty.com> On Jul 2, 2024, at 3:09 PM, Emily Selph <selphe@ charlevoixcounty.org> wrote: Mary Rose, Attached is the form you can use to request your parcel be re-spilt into the original two parcels. Let me know if you have any questions.
Page 15
Thanks, Emily Selph Equalization Director 231-547-7230 13513 Division Street Charlevoix, MI 49720
Page 16
Charlevoix County Equalization Department 13513 Division St, Charlevoix, MI 49720 231-547-7230 Fax: 231-547-7232 equalization@charlevoixcounty.org CHARLEVOIX COUNTY EQUALIZATION DEPARTMENT REQUEST TO SPLIT PLATTED LOTS DATE: July 2, 2024 OWNER NAME(S): Laurence & Mary Rose Birch NOTES: Former parcels 15-012-129-005-50 & 15-012-129-005-60 PHONE NUMBER: 231-448-3344 EMAIL: Inmrinc@aol.com MAILING ADDRESS: 31153 Camp 3 Trail Beaver Island, MI 49782 It is our desire to have the above listed properties split for the upcoming tax roll. SIGNATUBES*: *the signatures of ALL property owners are required. Use additional forms if needed. To be completed by the township/city assessor. CHECK ONE: [0 APPROVED [J DENIED SIGNATURE: DATE:
Page 17
—— Exper K Ay I \ ee ge, [7 1) Vv | ; A i L 1] [ Te — - & ~s ” . Rw rl oR pees -—
Page 18
EAH (67
parcel
Number:
15-012-129-005-060
Jurisdiction:
Grantor
Grantee
&
MARY
ROS
LEE TRUST
BIRCH
LAURENCE
WARDLOW
DANIEL
WARDLOW
DANIEL
LEE
TRUST
WARDLOW
DANTEL
TL
Property Address
31061 CAMP
#3 TRL
chool:
BEAVER
PEATNE
TOWNSHIP
Sale;
Price
200,000
1
39,000
25,000
Class: RESIDENTIAL
1SLAND,
County:
CHARLEVOIX
Sale
Inst.
Terms
of
Sale
Date
Type
10/17/2011
WD
ARMS-LENGTH
07/26/2011
QC
INVALID
SALE
03/27/2001
‘WD
ARMS- LENGTH
09/15/1999 (LC
{Zoning:
15010
BD
Building
Permit (s)
Printed
on
11/23/2011
Liber
verified
Prent.
&
Page
By
Trans.
971/298
DEED
100.0
969/607
DEED
0.0
413:159
0.0
1398:609
0.0
i
Date
‘Number
{P.R.E.
0%
(Owner's Name/Address
wap
£:
=
|
|
BIRCH
LAURENCE
&
MARY
ROSE
h
2012
Est
TCV Tentative
-
i
437
W
ROSLYN
PLACE
CHICAGO
IL
60614
%X
Improved
Vacant
Land Value Estimates
for
Land Table 401.401
RESIDENTIAL ACREAGE
+
Public
*
Factors
*
[mprovements
Description
Frontage
Depth
Front
Depth
Rate
%Adj.
Reason
Value
.
{|
piri Road
630.00 799.98 1.0000 1.0000
0
100
0
Tax Description
ix
lgravel Road
ACREAGE/SI
10 ACRES-TYP
11.09 Acres
2800
100* ACREAGE RATE
31,060
BEG AT SW
SEC 29 T38N R1OW TH AL W
|paved Road
ACREAGE/SI ROW
0.48 Acres
0
100* ROAD ROW
0
'91"E 620FT TH SB9DEG
Storm Sewer
+ denotes
lines
that
do
not
contribute
to
the
total acreage calculation.
637.24FT TO WLY LI CAMP
THREE
RD
iSidewalk
630 Actual Front Feet,
11.57 Total Acres
Total Est.
Land Value
=
31,060
TH CONT SBODEGS2'S0"E
33.21FT
TO C/L SD
Water
.
EE
.
RD
TH
AL
SD
C/L SO6DEG23'55"E
85.78FT
TH
Sewer
Land
Improvement
Cost
Estimates
CONT AL 5D C/L S05DEG49’17"E 537.66 TO
lectric
Description
Rate
CountyMult.
Size
3Good
Cash Value
5
LL
8D
TH AL SD
§ SEC
LI NB9DEGS2'
4
Gas
D/H/P:
din Concrete
3.61
1.00
260
96
932
5Q'WIRECO AS NBSDEGSS: 3874) 33 L8H TO WLY
curb
Sia:
woad FESmE
11.53
1.00
Bs
pb
1,063
LI SD RD TH CONT
RL LAR
Street Lights
Shed: Wood Frame
11.53
1.00
96
96
1,063
DEG5250"W (RECD AS
NS
IDNDLS
2
!
/Standard Utilities
Total
Estimated
Land Improvements True Cash Value
=
3,058
705.12FT TO POB BEING
PT OF SW1/4
OF
Underground Utils.
SW1/4
SEC
29-38-10
PARC
3/FOX
LAKE
FOREST
S(NNSPOY9O
FROM
129-005-220
|
Topography
of
X
site
Level
Rolling
Low
High
Landscaped
Swamp
Wooded
‘pond
‘Waterfront
Ravine
Wetland
{Flood
Plain
Year
Land
Building
Assessed
Board
of
Tribunal/
Taxable
value
Value
Value
Review
Other
Value
Who
When
What
2012
Tentative
Tentative
Tentative
Tentative
SA
10/24/2010 COMPUTER
E
2011
15,500
153, 800%
169, 300
81, 360C
The Equalizer.
Copyright
(c)
1999
-
2009.
sp
08/27/2010
INSPECTED/
2030
17,500
62,500
80,000
30,0008
Licensed
To:
Township
of
Peaine,
County
of
2009
17,500
93,800
111,300
111, 3008
Charlevoix
«s+
Information herein deemed
reliable
but
not
guaranteed***Page 19
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iPage 20
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!
59511 (12-24)
01-0526-00
BINGHAM INSURANCE SERVICES
LLC —
Auto-Owners
INSURANCE
LIFE
«- HOME
+ CAR
+ BUSINESS
Agency phone: 231.547.4062
PO BOX 30660 « LANSING, MI 48909-8160
12-31-2025
AUTO-OWNERS INSURANCE COMPANY
This
is not a
bill.
The premium can be paid before a bill
is
sent using any of the following methods:
Pay
Online
Pay by Mail
Pay My Bill
AUTO-OWNERS INSURANCE
MARY ROSE BIRCH
PO BOX 740312
LAURENCE BIRCH
Pay by Phone
CINCINNATI, OH 45274-0312
PO BOX 410
1.800.288.8740
BEAVER ISLAND
MI 49782-0410
RE: roi]
Billing o—
Thank you for selecting Auto-Owners Insurance Group to service your insurance needs!
Auto-Owners and its affiliate companies offer a full complement of policies, each of which has its own eligibility
requirements, coverages, and rates. Please take this opportunity
to review your insurance needs with your Auto-Owners
agent 231.547.4062, and discuss which company and program might be appropriate for you.
After talking with your
agent,
if there are any unanswered questions, please contact us at 517.323.1200.
Auto-Owners Insurance Company was formed in 1916. Our A+ (Superior) rating by AM Best signifies that we have the
financial strength to provide the insurance protection you need. The Auto-Owners Insurance Group is comprised of five
property and casualty companies and a
life insurance company.
Serving Our Policyholders and Agents Since 1916Page 21
Auto-Owners 212098 INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY BINGHAM INSURANCE SERVICES Endorsement Effective 12-29-2025 kt Terr 001 (231) 547-4062 POLICY NUMBER insure MARY ROSE BIRCH Company Use LAURENCE BIRCH Company POLICY TERM appress PO BOX 410 Bill 12:01 a.m. 12:01 a.m. to BEAVER ISLAND MI 49782-0410 12-01-2025 12-01-2026 HOMEOWNERS POLICY DESCRIPTION OF CHANGES EFFECTIVE 12-29-2025 (See Declarations Attached) ADDED LOC 001: PERSONAL ARTICLES SCHEDULE Recreational Vehicle Class added TERM TOTAL POLICY PREMIUM INCLUDING PERSONAL ARTICLES $3,805.58 $130.90 (THIS IS NOT A BILL) Additional PAID IN FULL DISCOUNT APPLIED
Page 22
Page 1 17560 (01-14) Auto-Owners gg TROL Policyholder since 2017 INSURANCE COMPANY HOMEOWNERS POLICY DECLARATIONS 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AGENCY, a Ss SERVICES Endorsement Effective 12-29-2025 Mkt Terr 001 (231) 547-4062 POLICY NUMBER sure MARY ROSE BIRCH Company Use LAURENCE BIRCH Company POLICY TERM appress PO BOX 410 Bill 12:01 a.m. . 12:01 a.m. 0 BEAVER ISLAND MI 49782-0410 12-01-2025 12-01-2026 This policy is amended in consideration of the additional or retum premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term. TERM TOTAL POLICY PREMIUM INCLUDING PERSONAL ARTICLES $3,805.58 $130.90 (THIS IS NOT A BILL) Additional PAID IN FULL DISCOUNT APPLIED LOCATION DESCRIPTION Homeowners Policy Form 3 31061 Camp 3 Trl Location 1 Beaver Island, MI 49782-5267 Frame Construction Built in 2005 Metal Roof Updated in 2005 Protection Class 8B PROPERTY AND LIABILITY COVERAGES LIMITS A Dwelling $922,000 Adjusted Value Factor: 1.089 B Other Structures 92,200 C Personal Property 645,400 D Additional Living Expense and Loss of Rents 184,400 E Personal Liability (each occurrence) 500,000 F Medical Payments (each person) 1,000 Section | Deductible $1,500 - All Peril Deductible COVERAGES THAT APPLY Personal Property Replacement Cost Other Structures Off Premises Replacement Cost Homeowners Plus Mortgage Extra Expense Coverage ($1,500 Deductible) $250/mo Refrigerated Products Coverage ($250 Deductible) 750 Glass Breakage ($250 Deductible) Domestic Appliance Seepage or Leakage 50,000 ($1,500 Deductible) Tree Debris Removal 1,500 Recreational Vehicle Liability Credit and Fund Transfer Card Coverage 1,000 Ordinance or Law Exclusion Property Coverage Limitation for Fungi, Wet Rot, Dry Rot and Bacteria resulting from a covered cause of loss 92,200 Loss Assessment Coverage 2,500 Fire Department Charges 500 PREMIUM DISCOUNTS THAT APPLY Home/Auto Multi-Policy Discount Protective Devices Discount Paid In Full Discount CHANGE TOTAL LOCATION 1PREMIUM $2,693.27
Page 23
N., Fé 4 Page 2 17560 (01-14) AUTO-OWNERS INS. CO. Issued 12-31-2025 AGENCY SURANCE SERVICES Company POLICY NUMBER Bill Company Use insure MARY ROSE BIRCH Term 12-01-2025 to 12-01-2026 Forms That Apply To This Location: 17903 (06-21) 57860 (06-21) 17046 (02-23) 67098 (09-22) 57984 (01-21) 67023 (10-21) 67107 (12-22) 17618 (06-21) 17679 (06-21) 17702 (06-21) 57907 (06-21) Secured Interested Parties: See Schedule LOCATION DESCRIPTION Homeowners Policy Form 3 31153 Camp 3 Trl Location 2 Beaver Island, MI 49782 Frame Construction Built in 2000 Metal Roof Updated in 2000 Protection Class 8B Secondary Home PROPERTY AND LIABILITY COVERAGES LIMITS A Dwelling $240,000 Adjusted Value Factor: 1.089 B Other Structures 24,000 C Personal Property 168,000 D Additional Living Expense and Loss of Rents 48,000 E Personal Liability (each occurrence) 500,000 F Medical Payments (each person) 1,000 Section | Deductible $1,000 - All Peril Deductible COVERAGES THAT APPLY Personal Property Replacement Cost Other Structures Off Premises Replacement Cost Homeowners Plus Mortgage Extra Expense Coverage ($1,000 Deductible) $250/mo Refrigerated Products Coverage ($250 Deductible) 750 Glass Breakage ($250 Deductible) Domestic Appliance Seepage or Leakage 50,000 ($1,000 Deductible) Tree Debris Removal 1,500 Ordinance or Law Exclusion Property Coverage Limitation for Fungi, Wet Rot, Dry Rot and Bacteria resulting from a covered cause of loss 24,000 Loss Assessment Coverage 2,500 Fire Department Charges 500 PREMIUM DISCOUNTS THAT APPLY Home/Auto Multi-Policy Discount Paid In Full Discount Mortgage Free Discount CHANGE TOTAL LOCATION 2 PREMIUM $970.49 Forms That Apply To This Location: 17903 (06-21) 57860 (06-21) 17046 (02-23) 67098 (09-22) 57984 (01-21) 67023 (10-21) 67107 (12-22) 17618 (06-21) 17679 (06-21) 57907 (06-21) Secured Interested Parties: None
Page 24
Page 3 17560 (01-14) AUTO-OWNERS INS. CO. Issued 12-31-2025 acency BINGHAM INSURANCE SERVICES Company POLICY NUMBER BE < VikiTer 001 Bill Company Use iNsurReD MARY ROSE BIRCH Term 12-01-2025 to 12-01-2026 TERM TOTAL POLICY PREMIUM INCLUDING PERSONAL ARTICLES $3,805.58 $130.90 (THIS IS NOT A BILL) Additional PAID IN FULL DISCOUNT APPLIED Insurance Score: X915 Forms That Apply To All Locations: 17363 (10-21) 67137 (12-23) 67177 (01-25) 57773 (10-21) SECURED INTERESTED PARTIES AND/OR ADDITIONAL INTERESTED PARTIES AND/OR ADDITIONAL INSUREDS Loc 001 CHARLEVOIX STATE BANK Attention: ISAOA PO BOX 217 CHARLEVOIX MI 49720 Interest: Mortgagee SIP-ID: I
Page 25
) 9 Dl EXWIBIT IN i 1 Ai Page 4 ~ 16000 (01-14) uto-Owner: Ss |ssued 12-31-2025 INSURANCE COMPANY PERSONAL ARTICLES DECLARATIONS 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 AENeY BINGHAM INSURANCE SERVICES Endorsement Effective 12-29-2025 WK Mkt Terr 001 (231) 547-4062 POLICY NUMBER insure MARY ROSE BIRCH Company Use LAURENCE BIRCH . Company POLICY TERM aopress PO BOX 410 Bill 12:01am. 12:01 a.m. to BEAVER ISLAND MI 49782-0410 12-01-2025 12-01-2026 This policy is amended in consideration of the additional or retum premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term. TERM TOTAL PERSONAL ARTICLES PREMIUM $141.82 $130.90 (THIS IS NOT A BILL) Additional LOCATION DESCRIPTION 31061 Camp 3 Trl Location 1 Beaver Island, MI 49782-5267 RECREATIONAL VEHICLE CLASS ITEM PROPERTY DESCRIPTION 0001 16 HONDA PIONEER SYMBOL 21 Number of Wheels: 4 COVERAGE DED LIMITS PREMIUM CHANGE Comprehensive $250 $ 23,217 $50.47 $46.58 Collision $500 $ 23,217 91.35 84.32 TOTAL $141.82 $130.90 Forms That Apply To This Class: 17621 (06-21) Recreational Vehicle Class Total $141.82 $130.90 TOTAL LOCATION 1 PREMIUM $141.82 $130.90 TERM TOTAL PERSONAL ARTICLES PREMIUM $141.82 $130.90 (THIS ISNOT A BILL) Additional Home/Auto Multi-Policy Discount Applies Paid in Full Discount Applied
Page 26
59511 (12-24) 01-0526-00 BINGHAM INSURANCE SERVICES PAR EVOIX MI 49720 Auto-Owner. Ss INSURANCE LIFE « HOME « CAR BUSINESS Agency phone: (231) 547-4062 PO BOX 30660 « LANSING, MI 48909-8160 01-05-2026 AUTO-OWNERS INSURANCE COMPANY This is not a bill. The premium can be paid before a bill is sent using any of the following methods: Pay Online Char i] Pay by Mail Pay My Bill AUTO-OWNERS INSURANCE PO BOX 740312 LAURENCE BIRCH Pay by Phone CINCINNATI, OH 45274-0312 PO BOX 410 1.800.288.8740 BEAVER ISLAND MI 49782-0410 RE: coro | Billing account| NR Thank you for selecting Auto-Owners Insurance Group to service your insurance needs! Auto-Owners and its affiliate companies offer a full complement of policies, each of which has its own eligibility requirements, coverages, and rates. Please take this opportunity to review your insurance needs with your Auto-Owners agent 231.547.4062, and discuss which company and program might be appropriate for you. After talking with your agent, if there are any unanswered questions, please contact us at 517.323.1200. Auto-Owners Insurance Company was formed in 1916. Our A+ (Superior) rating by AM Best signifies that we have the financial strength to provide the insurance protection you need. The Auto-Owners Insurance Group is comprised of five property and casualty companies and a life insurance company. Serving Our Policyholders and Agents Since 1916
Page 27
Auto-Owners INSURANCE COMPANY 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 Issued 01-05-2026 Acency BINGHAM INSURANCE SERVICES Endorsement Effective ~~ 12-30-2025 WK MKT TERR 001 (231) 547-4062 POLICY NUMBER wsuren LAURENCE BIRCH Company Use Company POLICY TERM aopress PO BOX 410 Bill 12:01 a.m. 12:01 a.m. BEAVER ISLAND MI 49782-0410 12-01-2025 12-01-2026 AUTOMOBILE POLICY DESCRIPTION OF CHANGES EFFECTIVE 12-30-2025 (See Declarations Attached) DELETED ITEM 0001 2002 GMC ENVOY pproowy ADDED ITEM 0003 2015 JEEP GRAND CHEROKEE TERM ALL ITEMS TOTAL POLICY PREMIUM $435.28 $57.27 PAID IN FULL DISCOUNT APPLIES (THIS IS NOT A BILL) Additional
Page 28
Auto-Owners Page 1 99982 (11) Issued Policyholder since 2017 INSURANCE COMPANY AUTOMOBILE POLICY DECLARATIONS 6101 ANACAPRI BLVD., LANSING, MI 48917-3999 PREMIER AcENcY BINGHAM INSURANCE SERVICES Endorsement Effective 12-30-2025 MKT TERR 001 (231) 547-4062 POLICY NUMBER wsurep LAURENCE BIRCH Company Use Company POLICY TERM Aopress PO BOX 410 Bill 12:01 a.m. 12:01 a.m. (eo) BEAVER ISLAND MI 49782-0410 12-01-2025 12-01-2026 This policy is amended in consideration of the additional or return premium shown below. This Declarations voids and replaces all previously issued Declarations bearing the same policy number and premium term. TERM ALL ITEMS TOTAL POLICY PREMIUM $435.28 $57.27 PAID IN FULL DISCOUNT APPLIES (THIS IS NOT A BILL) Additional DESCRIPTION OF ITEM INSURED Personal Injury Protection Coverages and Limit Selections COVERAGES LIMITS Allowable Expenses (Medical) Declined Work Loss $7,201* person Primary Replacement Services $ 20/day person Survivor's Benefits $7,201* person Allowable Expenses (Medical) has been declined for the entire household. 100% Allowable Expenses (Medical) premium reduction. Warning - One or more of the insureds under this policy have been excluded from Personal Injury Protection benefits based on the availability of qualified health coverage. If your available qualified health coverage changes, you must advise us within 30 days. *For any 30 day period and the limit is subject to any changes established under the Michigan Insurance Code for accident occurring on or after the date of change. Accidental Death Benefit Endorsement COVERAGES LIMITS PREMIUM CHANGE Accidental Death Benefit $20,000 per eligible person Included TOTAL Included 160
Page 29
Page 2 99982 (1-14) AUTO-OWNERS INS. CO. Issued 01-05-2026 acency BINGHAM INSURANCE SERVICES Company POLICY NUMBER WK MKT TERR 001 Bill Company Use insure | AURENCE BIRCH Term 12-01-2025 to 12-01-2026 DESCRIPTION OF ITEM INSURED i i GMC ENVOY Item Deleted COVERAGES LIMITS PREMIUM CHANGE Combined Liability Deleted $147.07- Residual Uninsured Motorist Deleted 20.46- Underinsured Motorist Deleted 71.29- Special Tort Liability Deleted 3.75- Property Protection Deleted 18.43- Personal Injury Protection Deleted Work Loss Deleted 11.40- Replacement Services Deleted 2.25- Survivor's Benefits Deleted 2.83- MCCA Deficit ** Deleted 21.18- MATPA ** Deleted .92- MACP ** Deleted 44.04- TOTAL $343.62 Return Interested Parties: None ITEM DETAILS: Automobile driven for pleasure/commute 0-14 use by a 62 year old operator. Cost Symbol: 12-7B-12-7B-62. Household Composition Rating applies. 5% ABS Discount applies. Premier Credit applies. 35% Air Bag Discount applies. Garaging Address: 31061 CAMP 3 TRL, BEAVER ISLAND, MI 49782-5267 Rate Effective Date 09-08-2025 160
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Page 3 99982 (1-14) AUTO-OWNERS INS. CO. Issued 01-05-2026 AGENCY RINGHAM INSURANCE SERVICES Company POLICY NUMBER WK MKT TERR 001 Bill Company Use insured LAURENCE BIRCH Term 12-01-2025 to 12-01-2026 DESCRIPTION OF ITEM INSURED 3.0200 ND CHEROKEE VIN: Item Added COVERAGES LIMITS PREMIUM CHANGE Combined Liability $510,000 occurrence $205.13 $188.93 Residual Uninsured Motorist $500,000 person/$ 500,000 occurrence 22.22 20.46 Underinsured Motorist $500,000 person/$ 500,000 occurrence 77.41 71.29 Special Tort Liability $ 3,000 6.87 6.33 Property Protection $1Million occurrence 25.71 23.68 Personal Injury Protection See coverage and limit selections Work Loss 18.07 16.64 Replacement Services 3.57 3.29 Survivor's Benefits 4.48 4.13 MCCA Deficit ** 23.00 21.18 MATPA ** 1.00 92 MACP ** 47.82 44.04 TOTAL $435.28 $400.89 Additional Interested Parties: None Additional Forms For This Item: 99552 (08-20) 19942 (11-21) 79253 (11-21) 79275 (06-92)Z 99301 (11-21) 99305 (11-21) 79539 (03-99)Z ITEM DETAILS: Automobile driven for pleasure/commute 0-14 use by a 62 year old operator. Cost Symbol: 42-EB-34-NB-60. Household Composition Rating applies. 5% ABS Discount applies. Premier Credit applies. 35% Air Bag Discount applies. Garaging Address: 31061 CAMP 3 TRL, BEAVER ISLAND, MI 49782-5267 Rate Effective Date 09-08-2025 160 TERM ALL ITEMS TOTAL POLICY PREMIUM $435.28 $57.27 PAID IN FULL DISCOUNT APPLIES (THIS IS NOT A BILL) Additional The Paid In Full Discount does not apply to fixed fees or statutory charges. Forms That Apply To All Items: 79001 (03-99)Z 79701 (02-24) 99501 (11-21) 69405 (01-16)Z 69271 (05-14)Z 89058 (04-07)Z 80281 (04-10)Z 99803 (07-16)Z 69396 (09-15)Z 99633 (08-22) 69716 (09-19) 69630 (05-18) Policy Rate Code 0001 Premium assumes no youthful operator(s). Property Discount. Loss History Rating 1A applies; 0/1 Paid In Full Discount Applies. Payment History Discount Applies.
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Page 4 99982 (1-14) AUTO-OWNERS INS. CO. Issued 01.05.2026 AGENCY GHAM INSURANCE SERVICES Company POLICY NUMBER WK MKT TERR 001 Bill Company Use insurep LAURENCE BIRCH Term 12-01-2025 to 12-01-2026 DESCRIPTION OF ITEM INSURED Driver List Listed below are the persons currently listed on a vehicle insured on this policy. src, MARY [I BIRCH, LAURENCE ] **Michigan Catastrophic Claims Association (MCCA) provides coverage for Personal Injury Protection for an automobile accident victim when costs exceed the threshold per MCL 500.3104(2) and they have chosen unlimited Allowable Expenses (Medical). There are two types of the MCCA charges. MCCA Deficit will apply for all vehicles. MCCA Unlimited will apply for all vehicles to which unlimited Personal Injury Protection Allowable Expenses (Medical) could be provided. Michigan Automobile Theft Prevention Authority (MATPA) oversees automobile theft prevention programs per MCL 500.6107. The Michigan Assigned Claims Plan (MACP) provides coverage for automobile accident victims who are entitled to claim Personal Injury Protection benefits but do not have applicable personal protection insurance per MCL 500.3172. MCCA, MATPA and MACP are programs established by the State of Michigan.
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1, PP N Member Services & Outages: 888-485-2537 GREAT LAKES ex iBT 1! “4. Online: gilakes.com Email: billing@glenergy.com = ENERGY — TOTAL $68.63 AUTOPAY AMOUNT credtcardwitibe debited on 06/03/2025 ccount Informa scount Number: i . ember Name: LARRY P BIRCH Previous Account Activity fling Period: 04/13/2025 - 05/13/2025 for 30 Days Previous Balance $48.55 lling Date: 05/13/2025 Payment(s) -$48.55 hone Number: (231) 448-3344 Account Balance Before Current Charges $0.00 ervice Address: 31061 CAMP THREE TRAIL BEAVER ISLAND, MI 49782 Current Activity ervice Description: Monthly Charge $43.17 ate: SAM - Monthly Seasonal Energy Usage 156 kWh @0.13702 $21.38 leter Number: 39280348 PSCR On Energy Use 156 kWh @0.00188 $0.29 io Rigor 4 ” a a Energy Optimization Surcharge 156 kWh @0.00198 $0.31 WhUsage: = 156 State Sales Tax ($65.15 x 4.0%) $2.61 MI Low Income Energy Fund $0.87 Meter # 39280348 Total Current Activity $68.63 Total AmountDue $68.63 Credit Card will be debited On 06/03/2025 —-. —- a —— If you have questions or a complaint, please contact us at 888-485-2537 or i od HY through mail to the address on this bill. Previous 141 an 386 465 225 449 170 7 94 86 84 141 Current 253 338 534 570 463 642 698 164 3 29 19 156 4 Pay Your Way Save Energy In-Person Pay online or enroll Level out your Leam about rebates The closest office to your in e-billing at monthly bills at and incentives at address is: gtlakes.com gtlakes.com gtlakes.com Boyne City Headquarters 1323 Boyne Avenue Boyne City, MI 49712 Open M-F: 8 am - 4:30 pm Thank you for being a member! 11d Please call us for all other service 1 Mailing Address or Phone Number Changes change requests. 1 Permanent [J Temporary(from __/_ [to /_/_) gpl lailing Address bund) ity State Zip i When you round up your bill to the nearest dollar, mail your extra change will fund local non-profit organizations in your community. Sign up for the lome Phone Cell Phone easiest good thing you'll ever do. 1 AutoPay by check - Use the check enclosed to obtain my bank account EX Yes, would ike to join the People Fund. [71 Yes, | would like to join the People Fund PLUS and formation. | understand that | may discontinue AutoPay by contacting po email Tons reat Lakes Energy. Signature (required) With AutoPay by check you authorize GLE to initiate a monthly electronic funds transfer from your banking stitution. Funds may be withdrawn as soon as the same day we receive payment. The transaction will appear as n ACH Debit and an image or copy of the check will not be available through your bank. lakes.com le-fun
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5 Member Services & Outages: 888-485-2537 EX) Bi GREAT LAKES EXTOL onlinerg il: bill 2A (J : gtiakes.com Email: billing@glenergy.com 22 ENERGY a rag lig $192.00 AUTO PAY AMOUNT Credit Card will be debited on 06/03/2025 ccount Information ccount Number: : lember Name: LARRY P BIRCH Previous Account Activity iling Period: 04/13/2025 - 05/13/2025 for 30 Days Previous Balance $166.35 ling Date: 05/13/2025 Payment(s) -$166.35 hone Number: (231) 448-3344 Account Balance Before Current Charges $0.00 ervice Address: CAMP THREE RD BEAVER ISLAND, MI 49782 Current Activity ervice Description: Sis 3 CAM 4 31LL Monthly Charge $43.17 ate: SAM - Monthly Seasonal Energy Usage 998 kWh @0.13702 $136.75 leter Number: 30287483 PSCR On Energy Use 998 kWh @ 0.00188 $1.88 llc oir ha Energy Optimization Surcharge 998 kWh @0.00198 $1.98 Wh Usage: 998 State Sales Tax ($183.78 x 4.0%) $7.35 MI Low Income Energy Fund $0.87 Meter # 30287483 Total Current Activity $192.00 Total Amount Due $192.00 p Credit Card will be debited On 06/03/2025 adaailll . If you have questions or a complaint, please contact us at 888-485-2537 or Sh Mg; Be Ost Mri Ge through mail to the address on this bill revious 809 415 454 416 458 872 1127 1176 1418 1413 1074 860 urrent 518 539 787 582 744 994 1083 2459 1664 1516 823 998 A Pay Your Way Budget Billing Save Energy In-Person Pay online or enroll Level out your Leam about rebates The closest office to your in e-biling at monthly bills at and incentives at address is: gtlakes.com gtlakes.com gtlakes.com Boyne City Headquarters 1323 Boyne Avenue Boyne City, MI 49712 & Open M-F: 8 am - 4:30 pm __ Thank you for being a member! sis Please call us for all other service 1 Mailing Address or Phone Number Changes change requests. 1 Permanent [I Temporary (from ___/_ /__ to /_ [_) ailing Address fund) GREAT LAKES ENERGY ty State Zip . When you round up your bill to the nearest dollar, nail your extra change will fund local non-profit organizations in your community, Sign up for the ome Phone Cell Phone easiest good thing you'll ever do. [1 Yes, | would like to join the People Fund. 1 AutoPay by check* - Use the check enclosed to obtain my bank account [1 Yes, | would like to join the People Fund PLUS and formation. | understand that | may discontinue AutoPay by contacting contribute an additional $ /mo. reat Lakes Energy. Jith AutoPay by check you authorize GLE fo initiate a monthly electronic funds transfer from your banking Signature (required) stitution. Funds may be withdrawn as soon as the same day we receive payment. The transaction will appear as lakes.com/j le-fun ACH Debit and an image or copy of the check will not be available through your bank.