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CHARLOTTX COUNTY CLERK OF CIRCUIT COURT OR BOOK: 4391, PGS: 2028 , PAGE: 1 OF 8
68 30 255344
INSTR # 2671982 Doc Type: MTG1, Recorded: 12/26/2018 at 3:30 PM
Rec, Fee: RECORDING $69.50 $157.50 ERECORDED Cashier By: CRYSTALH
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This Document Was Prepared By:
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Mortgage
The date of this Mortgage (“Security Instrument”) is November 28, 2018.
Mortgagor Lender
Saima M Kelley Pentagon Federal C, U,
a Single Woman Organized and existing under the laws of the
1050 Yarmouth Street United States
Port Charlotte, FL 33952 Box 1432
N Alexandria, VA 22313
1, Conveyance. For good and valuable consideration, the receipt and sufficiency of which is
acknowledged, and to secure the Secured Debt (defined below) and Mortgagor's performance under
this Security Instrument, Mortgagor grants, bargains, conveys and mortgages to Lender the following
described property:
THE FOLLOWING DESCRIBED LAND, SITUATE, LYING AND BEING IN CHARLOTTE
COUNTY, FLORIDA, TO-WIT: LOT 2, BLOCK 804, PORT CHARLOTTE SUBDIVISION,
SECTION TWENTY SEVEN, ACCORDING TO THE PLAT THEREOF AS RECORDED IN
PLAT BOOK 5, PAGE 20, PUBLIC RECORDS OF CHARLOTTE COUNTY, FLORIDA. Parcel Id:
402210102002
Parcel ID Number: 402210102002
The property is located in Charlotte County at 1050 Yarmouth Street, Port Charlotte, Florida 33952.
‘App 0; 6890255344 Loanid: 17011581
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Return to:
ServiceLink 24103350
1355 Cherrington Pkwy
Moon Twp, PA 15108
This Document Was Prepared By:
Melissa Parks
Equity Department
400 Country Club Rd
Eugene, OR 97401
State of Florida's Documentary Stamp Tax
required by law in the amount of N/A has
been paid to the Clerk of the Circuit Court
(or the County Comptroller, if applicable)
for the County of Charlotte, State of
Florida.
Mortgage
The date of this Mortgage (“Security Instrument”) is November 28, 2018.
Mortgagor Lender
Saima M Kelley Pentagon Federal C. U.
a Single Woman Organized and existing under the laws of the
1050 Yarmouth Street United States
Port Charlotte, FL 33952 Box 1432
N Alexandria, VA 22313
1. Conveyance. For good and valuable consideration, the receipt and sufficiency of which is
acknowledged, and to secure the Secured Debt (defined below) and Mortgagor's performance under
this Security Instrument, Mortgagor grants, bargains, conveys and mortgages to Lender the following
described property:
THE FOLLOWING DESCRIBED LAND, SITUATE, LYING AND BEING IN CHARLOTTE
COUNTY, FLORIDA, TO-WIT: LOT 2, BLOCK 804, PORT CHARLOTTE SUBDIVISION,
SECTION TWENTY SEVEN, ACCORDING TO THE PLAT THEREOF AS RECORDED IN
PLAT BOOK 5, PAGE 20, PUBLIC RECORDS OF CHARLOTTE COUNTY, FLORIDA. Parcel Id:
402210102002
Parcel ID Number: 402210102002
The property is located in Charlotte County at 1050 Yarmouth Street, Port Charlotte, Florida 33952.
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Together with all rights, easements, appurtenances, royalties, mineral rights, oil and gas rights,
all water and riparian rights, ditches, and water stock and all existing and future improvements,
structures, fixtures, and replacements that may now, or at any time in the future, be part of the real
estate described above (all referred to as “Property”’).
2. Secured Debt and Future Advances. The term “Secured Debt” is defined as follows:
(A)The initial indebtedness secured by this Security Instrument is the debt incurred under the
terms of all promissory note(s), contract(s), guaranty(ies) or other evidence of debt described
below and all their extensions, renewals, modifications or substitutions.
The promissory note signed by Saima M Kelley (the “Borrower”) and dated the same date as
this Security Instrument (the “Nove’”). The Note states that Borrower owes Lender forty five
thousand and 00/100 Dollars (U.S. $45,000.00) plus interest. Borrower has promised to pay
this debt in regular periodic payments and to pay the debt in full not later than December 10,
2038.
(B)All future advances made within 20 years from the date of this Security Instrument from
Lender to Mortgagor or other future obligations of Mortgagor to Lender pursuant to section 4
of this Security Instrument under any promissory note, contract, guaranty, or other evidence of
debt executed by Mortgagor in favor of Lender after this Security Instrument whether or not
this Security Instrument is specifically referenced. If more than one person signs this Security
Instrument, each Mortgagor agrees that this Security Instrument will secure all future advances
and future obligations that are given to or incurred by any one or more Mortgagor, or any one
or more Mortgagor and others. All future advances and other future obligations are secured by
this Security Instrument even though all or part may not yet be advanced. All future advances
and other future obligations are secured as if made on the date of this Security Instrument.
Nothing in this Security Instrument shall constitute a commitment to make additional or future
loans or advances in any amount. Any such commitment must be agreed to in a separate
writing.
(C)AIl obligations Mortgagor owes to Lender, which may later arise, to the.extent not prohibited
by law, including, but not limited to, liabilities for overdrafts relating to any deposit account
agreement between Mortgagor and Lender.
(D)AIl additional sums advanced and expenses incurred by Lender for insuring, preserving or
otherwise protecting the Property and its value and any other sums advanced and expenses
incurred by Lender under the terms of this Security Instrument.
This Security Instrument will not secure any other debt if Lender fails to give any required notice of
the right of rescission.
This Security Instrument will not secure any other debt if Lender fails, with respect to that other debt,
to fulfill any necessary requirements or to conform to any limitations of Regulation Z and X that are
required for loans secured by the Property.
3. Maximum Obligation Limit. The total principal amount secured by this Security Instrument
at any one time shall not exceed $45,000.00. This limitation of amount does not include interest and
other fees and charges validly made pursuant to this Security Instrument. Also, this limitation does not
apply to advances made under the terms of this Security Instrument to protect Lender's security and to
perform any of the covenants contained in this Security Instrument.
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4, Payments. Mortgagor agrees that all payments under the Secured Debt will be paid when due and
in accordance with the terms of the Secured Debt and this Security Instrument.
5. Warranty of Title. Mortgagor warrants that Mortgagor is or will be lawfully seized of the estate
conveyed by this Security Instrument and has the right to grant, bargain, convey, sell, and mortgage
the Property. Mortgagor also warrants that the Property is unencumbered, except for encumbrances of
record.
6. Prior Security Interests. With regard to any other mortgage, deed of trust, security agreement or
other lien document that created a prior security interest or encumbrance on the Property, Mortgagor
agrees:
(A)To make all payments when due and to perform or comply with all covenants.
(B)To promptly deliver to Lender any notices that Mortgagor receives from the holder.
(C)Not to allow any modification or extension of, nor to request any future advances under any
note or agreement secured by the lien document without Lender's prior written consent.
7. Claims Against Title. Mortgagor wil! pay all taxes, assessments, liens, encumbrances, lease
payments, ground rents, utilities, and other charges relating to the Property when due. Lender may
require Mortgagor to provide to Lender copies of all notices that such amounts are due and the receipts
evidencing Mortgagor's payment. Mortgagor will defend title to the Property against any claims that
would impair the lien of this Security Instrument. Mortgagor agrees to assign to Lender, as requested
by Lender, any rights, claims or defenses Mortgagor may have against parties who supply labor or
materials to maintain or improve the Property.
8. Due on Sale or Encumbrance. Lender may, at its option, declare the entire balance of the
Secured Debt to be immediately due and payable-upon the creation of, or contract for the creation of,
any lien, encumbrance, transfer or sale of the Property. This right is subject to the restrictions imposed
by federal law, as applicable.
9. Warranties and Representations. Mortgagor has the right and authority to enter into this
Security Instrument. The execution and delivery of this Security Instrument will not violate any
agreement governing Mortgagor or to which Mortgagor is a party.
10. Property Condition, Alterations and Inspection. Mortgagor will keep the Property in good
condition and make all repairs that are reasonably necessary. Mortgagor shall not commit or allow any
waste, impairment, or deterioration of the Property. Mortgagor will keep the Property free of noxious
weeds and grasses. Mortgagor agrees that the nature of the occupancy and use will not substantially
change without Lender's prior written consent. Mortgagor will not permit any change in any license,
restrictive covenant or easement without Lender's prior written consent. Mortgagor will notify Lender
of all demands, proceedings, claims and actions against Mortgagor, and of any loss or damage to the
Property.
Lender or Lender's agents may, at Lender's option, enter the Property at any reasonable time for the
purpose of inspecting the Property. Lender shall give Mortgagor notice at the time of or before an
inspection specifying a reasonable purpose for the inspection. Any inspection of the Property shall be
entirely for Lender's benefit and Mortgagor will in no way rely on Lender's inspection.
11. Authority to Perform. If Mortgagor fails to perform any duty or any of the covenants contained
in this Security Instrument, Lender may, without notice, perform or cause them to be performed.
Mortgagor appoints Lender as attorney in fact to sign Mortgagor's name or pay any amount necessary
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for performance. Lender's right to perform for Mortgagor shall not create an obligation to perform, and
Lender's failure to perform will not preclude Lender from exercising any of Lender's other rights under
the law or this Security Instrument.
12. Assignment of Leases and Rents. Mortgagor irrevocably grants, bargains, conveys and
mortgages to Lender as additional security all the right, title and interest in and to any and all existing
or future leases, subleases, and any other written or verbal agreements for the use and occupancy of
any portion of the Property, including any extensions, renewals, modifications or substitutions of
such agreements (all referred to as “Leases”) and rents, issues and profits (all referred to as “Rents ”).
Mortgagor will promptly provide Lender with true and correct copies of all existing and future Leases.
Mortgagor may collect, receive, enjoy and use the Rents so long as Mortgagor is not in default under
the terms of this Security Instrument.
Mortgagor agrees that this assignment is immediately effective between the parties to this Security
Instrument and effective as to third parties on the recording of this Security Instrument. Mortgagor
agrees that Lender is entitled-to notify Mortgagor or Mortgagor's tenants to make payments of Rents
due or to become due directly to Lender after such recording. However, Lender agrees not to notify
Mortgagor's tenants until Mortgagor defaults and Lender notifies Mortgagor in writing of the default
and demands that Mortgagor and Mortgagor's tenants pay all Rents due or to become due directly to
Lender. On receiving notice of default, Mortgagor will endorse and deliver to Lender any payment of
Rents in Mortgagor's possession and will receive any Rents in trust for Lender and will not commingle
the Rents with any other funds. Any amounts collected will be applied as provided in this Security
Instrument. Mortgagor warrants that no default exists under the Leases or any applicable landlord/
tenant law. Mortgagor also agrees to maintain and require any tenant to comply with the terms of the
Leases and applicable law.
13. Leaseholds; Condominiums; Planned Unit Developments. Mortgagor agrees to comply
with the provisions of any lease if this Security Instrument is on a leasehold. If the Property includes
a unit in a condominium or a planned unit development, Mortgagor will perform all of Mortgagor's
duties under the covenants, by-laws, or regulations of the condominium or planned unit development.
14. Default. Mortgagor will be in default if any party obligated on the Secured Debt fails to make
payment when due. Mortgagor will be in default if a breach occurs under the terms of this Security
Instrument or any other document executed for the purpose of creating, securing or guarantying the
Secured Debt. A good faith belief by Lender that Lender at any time is insecure with respect to any
person or entity obligated on the Secured Debt or that the prospect of any payment or the value of the
Property is impaired shall also constitute an event of default. (
15. Remedies on Default. In some instances, federal and state law will require Lender to provide
Mortgagor with notice of the right to cure or other notices and may establish time schedules for
foreclosure actions. Subject to these limitations, if any, Lender may accelerate the Secured Debt and
foreclose this Security Instrument in a manner provided by law if Mortgagor is in default.
At the option of Lender, all or any part of the agreed fees and charges, accrued interest and principal
shall become immediately due and payable, after giving notice if required by law, upon the occurrence
of a default or anytime thereafter. In addition, Lender shall be entitled to all the remedies provided by
law, the terms of the Secured Debt, this Security Instrument and any related documents. All remedies
are distinct, cumulative and not exclusive, and the Lender is entitled to all remedies provided at law or
equity, whether or not expressly set forth. The acceptance by Lender of any sum in payment or partial
payment on the Secured Debt after the balance is due or is accelerated or after foreclosure proceedings
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are filed shall not constitute a waiver of Lender's right to require complete cure of any existing default.
By not exercising any remedy on Mortgagor's default, Lender does not waive Lender's right to later
consider the event a default if it continues or happens again.
16. Expenses; Advances on Covenants; Attorneys' Fees; Collection Costs. Except
when prohibited by law, Mortgagor agrees to pay all of Lender's expenses if Mortgagor breaches any
covenant in this Security Instrument. Mortgagor will also pay on demand any amount incurred by
Lender for insuring, inspecting, preserving or otherwise protecting the Property and Lender's security
interest. These expenses will bear interest from the date of the payment until paid in full at the highest
interest rate in effect as provided in the terms of the Secured Debt. Mortgagor agrees to pay all costs
and expenses incurred by Lender in collecting, enforcing or protecting Lender's rights and remedies
under this Security Instrument. This amount may include, but is not limited to, reasonable attorneys'
fees, court costs, and other legal expenses. Expenses include, but are not limited to, attorneys’ fees
of 10 percent of the principal sum due or a larger amount as the court judges as reasonable and just,
court costs and other legal expenses. These expenses are due and payable immediately. If not paid
immediately, these expenses will bear interest from the date of payment until paid in full at the highest
interest rate in effect as provided for in the terms of this Agreement. All fees and expenses will be
secured by the Property. To the extent permitted by the United States Bankruptcy Code, Mortgagor
agtees to pay the reasonable attorneys' fees Lender incurs to collect the Loan Account Balance as
awarded by any court exercising jurisdiction under the Bankruptcy Code. This Security Instrument
shall remain in effect until released. Mortgagor agrees to pay for any recordation costs of such release.
17. Environmental Laws and Hazardous Substances. As used in this section, (1)
“Environmental Law” means, without limitation, the Comprehensive Environmental Response,
Compensation and Liability Act (CERCLA, 42 U.S.C, 9601 et seq.), and all other federal, state
and local laws, regulations, ordinances, court orders, attorney general opinions or interpretive
letters concerning the public health, safety, welfare, environment or a hazardous substance; and (2)
“Hazardous Substance" means any toxic, radioactive or hazardous material, waste, pollutant or
contaminant which has characteristics which render the substance dangerous or potentially dangerous
to the public health, safety, welfare or environment. The term includes, without limitation, any
substances defined as "hazardous material," "toxic substances," hazardous waste," or "hazardous
substance," under any Environmental Law.
Mortgagor represents, warrants and agrees that:
(A)Except as previously disclosed and acknowledged in writing to Lender, no Hazardous
Substance is or will be located, stored or released on or in the Property. This restriction does
not apply to small quantities of Hazardous Substances that are generally recognized to be
appropriate for the normal use and maintenance of the Property.
(B)Except as previously disclosed and acknowledged in writing to Lender, Mortgagor and every
tenant have been, are, and shall remain in full compliance with any applicable Environmental
Law.
(C)Mortgagor shall immediately notify Lender if a release or threatened release of a Hazardous
Substance occurs on, under or about the Property or there is a violation of any Environmental
Law concerning the Property. In such an event, Mortgagor shall take all necessary remedial
action in accordance with any Environmental Law.
(D)Mortgagor shall immediately notify Lender in writing as soon as Mortgagor has reason to
believe there is any pending or threatened investigation, claim, or proceeding relating to the
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release or threatened release of any Hazardous Substance or the violation of any Environmental
Law.
18. Condemnation. Mortgagor will give Lender prompt notice of any pending or threatened action,
by private or public entities to purchase or take any or all of the Property through condemnation,
eminent domain, or any other means. Mortgagor authorizes Lender to intervene in Mortgagor's name
in any of the above described actions or claims. Mortgagor assigns to Lender the proceeds of any
award or claim for damages connected with a condemnation or other taking of all or any part of the
Property. Such proceeds shall be considered payments and will be applied as provided in this Security
Instrument. This assignment of proceeds is subject to the terms of any prior mortgage, deed of trust,
security agreement or other lien document.
19. Insurance. Mortgagor shall keep Property insured against loss by fire, flood, theft and other
hazards and risks reasonably associated with the Property due to its type and location. This insurance
shall be maintained in the amounts and for the periods that Lender requires. What Lender requires
pursuant to the preceding two sentences can change during the term of the Secured Debt. The
insurance carrier providing the insurance shall be chosen by Mortgagor subject to Lender's approval,
which shall not be unreasonably withheld. If Mortgagor fails to maintain the coverage described
above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property
according to the terms of this Security Instrument.
All insurance policies and renewals shal! be acceptable to Lender and shall include a standard
"mortgage clause" and, where applicable, "loss payee clause". Mortgagor shall immediately notify
Lender of cancellation or termination of the insurance. Lender shall have the right to hold the policies
and renewals. If Lender requires, Mortgagor shall immediately give to Lender all receipts of paid
premiums and renewal notices. Upon loss, Mortgagor shall give immediate notice to the insurance
carrier and Lender. Lender may make proof of loss if not made immediately by Mortgagor.
Upon receipt of insurance proceeds by the Lender that relates to the compensation for damage
to property or content insurance coverage in which the Lender has a security interest, the Lender
will deposit such insurance proceeds into a segregated account of a federally insured financial
institution. Thereafter, unless otherwise agreed in writing, all insurance proceeds shall be applied to
the restoration or repair of the Property or to the Secured Debt, whether or not then due, at Lender's
option. Any application of proceeds to principal shall not extend or postpone the due date of the
scheduled payment nor change the amount of any payment. Any excess will be paid to the Mortgagor.
If the Property is acquired by Lender, Mortgagor's right to any insurance policies and proceeds
resulting from damage to the Property before the acquisition shall pass to Lender to the extent of the
Secured Debt immediately before the acquisition.
20. Escrow for Taxes and Insurance. Unless otherwise provided in a separate agreement,
Mortgagor will not be required to pay to Lender funds for taxes and insurance in escrow.
21. Financial Reports and Additional Documents. Mortgagor will provide to Lender upon
request, any financial statement or information Lender may deem reasonably necessary. Mortgagor
agrees to sign, deliver, and file any additional documents or certifications that Lender may consider
necessary to perfect, continue, and preserve Mortgagor's obligations under this Security Instrument
and Lender's lien status on the Property.
22. Joint and Individual Liability; Co-Signers; Successors and Assigns Bound. All
duties under this Security Instrument are joint and individual. If Mortgagor signs this Security
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Instrument but does not sign an evidence of debt, Mortgagor does so only to mortgage Mortgagor's
interest in the Property to secure payment of the Secured Debt and Mortgagor does not agree to be
personally liable on the Secured Debt. If this Security Instrument secures a guaranty between Lender
and Mortgagor, Mortgagor agrees to waive any rights that may prevent Lender from bringing any
action or claim against Mortgagor or any party indebted under the obligation. These rights may
include, but are not limited to, any anti-deficiency or one-action laws. The duties and benefits of this
Security Instrument shall bind and benefit the successors and assigns of Mortgagor and Lender.
23. Applicable Law; Severability; Interpretation. This Security Instrument shall be governed
by Federal law and the law of the jurisdiction in which the Property is located. This Security
Instrument is complete and fully integrated. This Security Instrument may not be amended or
modified by oral agreement. Any section in this Security Instrument, attachments, or any agreement
related to the Secured Debt that conflicts with applicable law will not be effective, unless that law
expressly or impliedly permits the variations by written agreement. If any section of this Security
Instrument cannot be enforced according to its terms, that section will be severed and will not affect
the enforceability of the remainder of this Security Instrument. Whenever used, the singular shall
include the plural and the plural the singular. The captions and headings of the sections of this Security
Instrument are for convenience only and are not to be used to interpret or define the terms of this
Security Instrument. Time is of the essence in this Security Instrument.
24. Notice. Unless otherwise required by law, any notice shall be given by delivering it or by mailing
it by first class mail to the appropriate party's address in this Security Instrument, or to any other
address designated in writing. Notice to one mortgagor will be deemed to be notice to all mortgagors.
25. Waivers. Except to the extent prohibited by law, Mortgagor waives all appraisement and
homestead exemption rights relating to the Property.
26. Other Terms. If checked, the following are applicable to this Security Instrument:
O Construction Loan. This Security Instrument secures an obligation incurred for the
construction ofan improvement on the Property.
O Fixture Filing. Mortgagor grants to Lender a security interest in all goods that Mortgagor
owns now or in the future and that are or will become fixtures related to the Property. This Security
Instrument suffices'as a financing statement and any carbon, photographic or other reproduction
may be filed of record for purposes of Article 9 of the Uniform Commercial Code.
OC Riders. The covenants and agreements of each of the riders checked below are incorporated
into and supplement and amend the terms of this Security Instrument. [Check all applicable boxes]
O Condominium Rider 0 Planned Unit Development Rider 0 Other:
0 Additional Terms.
O Payment of this note or mortgage is subject to the terms of a home improvement
installment contract of even date between maker and payee or mortgagor and mortgagee.
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By signing below, Mortgagor agrees to the terms and covenants contained in this Security Instrument
and in any attachments. Mortgagor also acknowledges receipt of a copy of this Security Instrument on
the date stated in this Security Instrument.
Mortgagor
Saima M Kelley
LM Mile. 29K Date
1050 Yarmouth Street
Port Charlotte, FL 33952
Acknowledgment
State of Florida
County of Charlotte
This instrument was acknowledged before me on pl LSE LB by Saima M
Kelley . Such person(s) is/are known to me or has/have produced as
4,
identification.
Notary Publi, TAMMY BLANKENSH|
MY.COMMISSION # 245409
“8 IRES:, uly. +
Tammy Blawheng hy Bonded Thnu
aa
(Print Name}
My commission expires:
Loan Origination Organization: Pentagon Federal C. U. Loan Originator: Hailey Steiner
NMLS ID: 401822 NMLS ID: 1326327
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CHARLOTTX COUNTY CLERK OF CIRCUIT COURT OR BOOK: 4391, PGS: 2028 , PAGE: 1 OF 8 68 30 255344 INSTR # 2671982 Doc Type: MTG1, Recorded: 12/26/2018 at 3:30 PM Rec, Fee: RECORDING $69.50 $157.50 ERECORDED Cashier By: CRYSTALH Peepeeeee — 7 S8 S3749 —— Return to: ServiceLink 94D 3350 ; 1355 Cherrington Pkwy Moon Twp, PA 15108 NO QL. This Document Was Prepared By: Melissa Parks Equity Department 20 =r 400 Country Club Rd pm Eugene, OR 97401 FR > 26 Ty = een State of Florida's Documentary Stamp Tax [ern required by law in the amount of N/A has moO Oe Qy been paid to the Clerk of the Circuit Court So (or the County Comptroller, if applicable) ES for'the County of Charlotte, State of Ro Florida. 5 od po Mortgage The date of this Mortgage (“Security Instrument”) is November 28, 2018. Mortgagor Lender Saima M Kelley Pentagon Federal C, U, a Single Woman Organized and existing under the laws of the 1050 Yarmouth Street United States Port Charlotte, FL 33952 Box 1432 N Alexandria, VA 22313 1, Conveyance. For good and valuable consideration, the receipt and sufficiency of which is acknowledged, and to secure the Secured Debt (defined below) and Mortgagor's performance under this Security Instrument, Mortgagor grants, bargains, conveys and mortgages to Lender the following described property: THE FOLLOWING DESCRIBED LAND, SITUATE, LYING AND BEING IN CHARLOTTE COUNTY, FLORIDA, TO-WIT: LOT 2, BLOCK 804, PORT CHARLOTTE SUBDIVISION, SECTION TWENTY SEVEN, ACCORDING TO THE PLAT THEREOF AS RECORDED IN PLAT BOOK 5, PAGE 20, PUBLIC RECORDS OF CHARLOTTE COUNTY, FLORIDA. Parcel Id: 402210102002 Parcel ID Number: 402210102002 The property is located in Charlotte County at 1050 Yarmouth Street, Port Charlotte, Florida 33952. ‘App 0; 6890255344 Loanid: 17011581 Mortgage Closed End-FL Bankers Systems™ VMPO . 032018 Wolters Kiuwor Financial Sorvicas © 2014 2018112018,3 0:3964.N20170805Y Page 1 of a =|--+—| — coal —— = —— oe i we Return to: ServiceLink 24103350 1355 Cherrington Pkwy Moon Twp, PA 15108 This Document Was Prepared By: Melissa Parks Equity Department 400 Country Club Rd Eugene, OR 97401 State of Florida's Documentary Stamp Tax required by law in the amount of N/A has been paid to the Clerk of the Circuit Court (or the County Comptroller, if applicable) for the County of Charlotte, State of Florida. Mortgage The date of this Mortgage (“Security Instrument”) is November 28, 2018. Mortgagor Lender Saima M Kelley Pentagon Federal C. U. a Single Woman Organized and existing under the laws of the 1050 Yarmouth Street United States Port Charlotte, FL 33952 Box 1432 N Alexandria, VA 22313 1. Conveyance. For good and valuable consideration, the receipt and sufficiency of which is acknowledged, and to secure the Secured Debt (defined below) and Mortgagor's performance under this Security Instrument, Mortgagor grants, bargains, conveys and mortgages to Lender the following described property: THE FOLLOWING DESCRIBED LAND, SITUATE, LYING AND BEING IN CHARLOTTE COUNTY, FLORIDA, TO-WIT: LOT 2, BLOCK 804, PORT CHARLOTTE SUBDIVISION, SECTION TWENTY SEVEN, ACCORDING TO THE PLAT THEREOF AS RECORDED IN PLAT BOOK 5, PAGE 20, PUBLIC RECORDS OF CHARLOTTE COUNTY, FLORIDA. Parcel Id: 402210102002 Parcel ID Number: 402210102002 The property is located in Charlotte County at 1050 Yarmouth Street, Port Charlotte, Florida 33952. ‘App 1D: 6830255344 Loanto: 17011581 Mortgage Closed End-FL Bankers Systome™ VMP@ oarz018 Wolters Kluwer Financial Services © 2014 2018112016.3.0,3854.N20170605Y Page 1 of 8 -_ ee _ es a ee ae eee Together with all rights, easements, appurtenances, royalties, mineral rights, oil and gas rights, all water and riparian rights, ditches, and water stock and all existing and future improvements, structures, fixtures, and replacements that may now, or at any time in the future, be part of the real estate described above (all referred to as “Property”’). 2. Secured Debt and Future Advances. The term “Secured Debt” is defined as follows: (A)The initial indebtedness secured by this Security Instrument is the debt incurred under the terms of all promissory note(s), contract(s), guaranty(ies) or other evidence of debt described below and all their extensions, renewals, modifications or substitutions. The promissory note signed by Saima M Kelley (the “Borrower”) and dated the same date as this Security Instrument (the “Nove’”). The Note states that Borrower owes Lender forty five thousand and 00/100 Dollars (U.S. $45,000.00) plus interest. Borrower has promised to pay this debt in regular periodic payments and to pay the debt in full not later than December 10, 2038. (B)All future advances made within 20 years from the date of this Security Instrument from Lender to Mortgagor or other future obligations of Mortgagor to Lender pursuant to section 4 of this Security Instrument under any promissory note, contract, guaranty, or other evidence of debt executed by Mortgagor in favor of Lender after this Security Instrument whether or not this Security Instrument is specifically referenced. If more than one person signs this Security Instrument, each Mortgagor agrees that this Security Instrument will secure all future advances and future obligations that are given to or incurred by any one or more Mortgagor, or any one or more Mortgagor and others. All future advances and other future obligations are secured by this Security Instrument even though all or part may not yet be advanced. All future advances and other future obligations are secured as if made on the date of this Security Instrument. Nothing in this Security Instrument shall constitute a commitment to make additional or future loans or advances in any amount. Any such commitment must be agreed to in a separate writing. (C)AIl obligations Mortgagor owes to Lender, which may later arise, to the.extent not prohibited by law, including, but not limited to, liabilities for overdrafts relating to any deposit account agreement between Mortgagor and Lender. (D)AIl additional sums advanced and expenses incurred by Lender for insuring, preserving or otherwise protecting the Property and its value and any other sums advanced and expenses incurred by Lender under the terms of this Security Instrument. This Security Instrument will not secure any other debt if Lender fails to give any required notice of the right of rescission. This Security Instrument will not secure any other debt if Lender fails, with respect to that other debt, to fulfill any necessary requirements or to conform to any limitations of Regulation Z and X that are required for loans secured by the Property. 3. Maximum Obligation Limit. The total principal amount secured by this Security Instrument at any one time shall not exceed $45,000.00. This limitation of amount does not include interest and other fees and charges validly made pursuant to this Security Instrument. Also, this limitation does not apply to advances made under the terms of this Security Instrument to protect Lender's security and to perform any of the covenants contained in this Security Instrument. ‘App 10: 6830255344 LoanlO: 17011581 Mortgage Closed End-FL Bankers Systems™ VMP® 03/2018 ‘Wolters Kluwer Financial Services © 2014 2018112016.3.0.9054-N20170605Y Page 2 of 8 a ne ee ee - we ee ee 4, Payments. Mortgagor agrees that all payments under the Secured Debt will be paid when due and in accordance with the terms of the Secured Debt and this Security Instrument. 5. Warranty of Title. Mortgagor warrants that Mortgagor is or will be lawfully seized of the estate conveyed by this Security Instrument and has the right to grant, bargain, convey, sell, and mortgage the Property. Mortgagor also warrants that the Property is unencumbered, except for encumbrances of record. 6. Prior Security Interests. With regard to any other mortgage, deed of trust, security agreement or other lien document that created a prior security interest or encumbrance on the Property, Mortgagor agrees: (A)To make all payments when due and to perform or comply with all covenants. (B)To promptly deliver to Lender any notices that Mortgagor receives from the holder. (C)Not to allow any modification or extension of, nor to request any future advances under any note or agreement secured by the lien document without Lender's prior written consent. 7. Claims Against Title. Mortgagor wil! pay all taxes, assessments, liens, encumbrances, lease payments, ground rents, utilities, and other charges relating to the Property when due. Lender may require Mortgagor to provide to Lender copies of all notices that such amounts are due and the receipts evidencing Mortgagor's payment. Mortgagor will defend title to the Property against any claims that would impair the lien of this Security Instrument. Mortgagor agrees to assign to Lender, as requested by Lender, any rights, claims or defenses Mortgagor may have against parties who supply labor or materials to maintain or improve the Property. 8. Due on Sale or Encumbrance. Lender may, at its option, declare the entire balance of the Secured Debt to be immediately due and payable-upon the creation of, or contract for the creation of, any lien, encumbrance, transfer or sale of the Property. This right is subject to the restrictions imposed by federal law, as applicable. 9. Warranties and Representations. Mortgagor has the right and authority to enter into this Security Instrument. The execution and delivery of this Security Instrument will not violate any agreement governing Mortgagor or to which Mortgagor is a party. 10. Property Condition, Alterations and Inspection. Mortgagor will keep the Property in good condition and make all repairs that are reasonably necessary. Mortgagor shall not commit or allow any waste, impairment, or deterioration of the Property. Mortgagor will keep the Property free of noxious weeds and grasses. Mortgagor agrees that the nature of the occupancy and use will not substantially change without Lender's prior written consent. Mortgagor will not permit any change in any license, restrictive covenant or easement without Lender's prior written consent. Mortgagor will notify Lender of all demands, proceedings, claims and actions against Mortgagor, and of any loss or damage to the Property. Lender or Lender's agents may, at Lender's option, enter the Property at any reasonable time for the purpose of inspecting the Property. Lender shall give Mortgagor notice at the time of or before an inspection specifying a reasonable purpose for the inspection. Any inspection of the Property shall be entirely for Lender's benefit and Mortgagor will in no way rely on Lender's inspection. 11. Authority to Perform. If Mortgagor fails to perform any duty or any of the covenants contained in this Security Instrument, Lender may, without notice, perform or cause them to be performed. Mortgagor appoints Lender as attorney in fact to sign Mortgagor's name or pay any amount necessary ‘App 1D: 6830255344 LoaniD: 17011581 Mortgage Closed Ena-FL Bankers Systems™ VMP@ 03/2018 ‘Wolters Kluwer Financial Services © 2014 2018112016.3.0.3954.N20170605Y Page 3 of 8 a —_ ee — oe -_ for performance. Lender's right to perform for Mortgagor shall not create an obligation to perform, and Lender's failure to perform will not preclude Lender from exercising any of Lender's other rights under the law or this Security Instrument. 12. Assignment of Leases and Rents. Mortgagor irrevocably grants, bargains, conveys and mortgages to Lender as additional security all the right, title and interest in and to any and all existing or future leases, subleases, and any other written or verbal agreements for the use and occupancy of any portion of the Property, including any extensions, renewals, modifications or substitutions of such agreements (all referred to as “Leases”) and rents, issues and profits (all referred to as “Rents ”). Mortgagor will promptly provide Lender with true and correct copies of all existing and future Leases. Mortgagor may collect, receive, enjoy and use the Rents so long as Mortgagor is not in default under the terms of this Security Instrument. Mortgagor agrees that this assignment is immediately effective between the parties to this Security Instrument and effective as to third parties on the recording of this Security Instrument. Mortgagor agrees that Lender is entitled-to notify Mortgagor or Mortgagor's tenants to make payments of Rents due or to become due directly to Lender after such recording. However, Lender agrees not to notify Mortgagor's tenants until Mortgagor defaults and Lender notifies Mortgagor in writing of the default and demands that Mortgagor and Mortgagor's tenants pay all Rents due or to become due directly to Lender. On receiving notice of default, Mortgagor will endorse and deliver to Lender any payment of Rents in Mortgagor's possession and will receive any Rents in trust for Lender and will not commingle the Rents with any other funds. Any amounts collected will be applied as provided in this Security Instrument. Mortgagor warrants that no default exists under the Leases or any applicable landlord/ tenant law. Mortgagor also agrees to maintain and require any tenant to comply with the terms of the Leases and applicable law. 13. Leaseholds; Condominiums; Planned Unit Developments. Mortgagor agrees to comply with the provisions of any lease if this Security Instrument is on a leasehold. If the Property includes a unit in a condominium or a planned unit development, Mortgagor will perform all of Mortgagor's duties under the covenants, by-laws, or regulations of the condominium or planned unit development. 14. Default. Mortgagor will be in default if any party obligated on the Secured Debt fails to make payment when due. Mortgagor will be in default if a breach occurs under the terms of this Security Instrument or any other document executed for the purpose of creating, securing or guarantying the Secured Debt. A good faith belief by Lender that Lender at any time is insecure with respect to any person or entity obligated on the Secured Debt or that the prospect of any payment or the value of the Property is impaired shall also constitute an event of default. ( 15. Remedies on Default. In some instances, federal and state law will require Lender to provide Mortgagor with notice of the right to cure or other notices and may establish time schedules for foreclosure actions. Subject to these limitations, if any, Lender may accelerate the Secured Debt and foreclose this Security Instrument in a manner provided by law if Mortgagor is in default. At the option of Lender, all or any part of the agreed fees and charges, accrued interest and principal shall become immediately due and payable, after giving notice if required by law, upon the occurrence of a default or anytime thereafter. In addition, Lender shall be entitled to all the remedies provided by law, the terms of the Secured Debt, this Security Instrument and any related documents. All remedies are distinct, cumulative and not exclusive, and the Lender is entitled to all remedies provided at law or equity, whether or not expressly set forth. The acceptance by Lender of any sum in payment or partial payment on the Secured Debt after the balance is due or is accelerated or after foreclosure proceedings ‘App ID: 6830255344 LoaniO: 17011584 Mortgage Closed End-FL. Bankers Systems"™ VMP@ 03/2018 Wolters Kluwer Financial Services © 2014 2018112016.3.0.3954.N20170605Y Page 4 of 8 oo a a a Seas are filed shall not constitute a waiver of Lender's right to require complete cure of any existing default. By not exercising any remedy on Mortgagor's default, Lender does not waive Lender's right to later consider the event a default if it continues or happens again. 16. Expenses; Advances on Covenants; Attorneys' Fees; Collection Costs. Except when prohibited by law, Mortgagor agrees to pay all of Lender's expenses if Mortgagor breaches any covenant in this Security Instrument. Mortgagor will also pay on demand any amount incurred by Lender for insuring, inspecting, preserving or otherwise protecting the Property and Lender's security interest. These expenses will bear interest from the date of the payment until paid in full at the highest interest rate in effect as provided in the terms of the Secured Debt. Mortgagor agrees to pay all costs and expenses incurred by Lender in collecting, enforcing or protecting Lender's rights and remedies under this Security Instrument. This amount may include, but is not limited to, reasonable attorneys' fees, court costs, and other legal expenses. Expenses include, but are not limited to, attorneys’ fees of 10 percent of the principal sum due or a larger amount as the court judges as reasonable and just, court costs and other legal expenses. These expenses are due and payable immediately. If not paid immediately, these expenses will bear interest from the date of payment until paid in full at the highest interest rate in effect as provided for in the terms of this Agreement. All fees and expenses will be secured by the Property. To the extent permitted by the United States Bankruptcy Code, Mortgagor agtees to pay the reasonable attorneys' fees Lender incurs to collect the Loan Account Balance as awarded by any court exercising jurisdiction under the Bankruptcy Code. This Security Instrument shall remain in effect until released. Mortgagor agrees to pay for any recordation costs of such release. 17. Environmental Laws and Hazardous Substances. As used in this section, (1) “Environmental Law” means, without limitation, the Comprehensive Environmental Response, Compensation and Liability Act (CERCLA, 42 U.S.C, 9601 et seq.), and all other federal, state and local laws, regulations, ordinances, court orders, attorney general opinions or interpretive letters concerning the public health, safety, welfare, environment or a hazardous substance; and (2) “Hazardous Substance" means any toxic, radioactive or hazardous material, waste, pollutant or contaminant which has characteristics which render the substance dangerous or potentially dangerous to the public health, safety, welfare or environment. The term includes, without limitation, any substances defined as "hazardous material," "toxic substances," hazardous waste," or "hazardous substance," under any Environmental Law. Mortgagor represents, warrants and agrees that: (A)Except as previously disclosed and acknowledged in writing to Lender, no Hazardous Substance is or will be located, stored or released on or in the Property. This restriction does not apply to small quantities of Hazardous Substances that are generally recognized to be appropriate for the normal use and maintenance of the Property. (B)Except as previously disclosed and acknowledged in writing to Lender, Mortgagor and every tenant have been, are, and shall remain in full compliance with any applicable Environmental Law. (C)Mortgagor shall immediately notify Lender if a release or threatened release of a Hazardous Substance occurs on, under or about the Property or there is a violation of any Environmental Law concerning the Property. In such an event, Mortgagor shall take all necessary remedial action in accordance with any Environmental Law. (D)Mortgagor shall immediately notify Lender in writing as soon as Mortgagor has reason to believe there is any pending or threatened investigation, claim, or proceeding relating to the ‘App 10; 6830255344 Loanio: 17011581 Mortgage Closed End-FL. Bankers Systems™ VMP® 03/2018 Wolters Kluwer Financial Services © 2014 2018112016 3.0.3954-N20170805Y Page 5 of 8 = oe a re ee ee release or threatened release of any Hazardous Substance or the violation of any Environmental Law. 18. Condemnation. Mortgagor will give Lender prompt notice of any pending or threatened action, by private or public entities to purchase or take any or all of the Property through condemnation, eminent domain, or any other means. Mortgagor authorizes Lender to intervene in Mortgagor's name in any of the above described actions or claims. Mortgagor assigns to Lender the proceeds of any award or claim for damages connected with a condemnation or other taking of all or any part of the Property. Such proceeds shall be considered payments and will be applied as provided in this Security Instrument. This assignment of proceeds is subject to the terms of any prior mortgage, deed of trust, security agreement or other lien document. 19. Insurance. Mortgagor shall keep Property insured against loss by fire, flood, theft and other hazards and risks reasonably associated with the Property due to its type and location. This insurance shall be maintained in the amounts and for the periods that Lender requires. What Lender requires pursuant to the preceding two sentences can change during the term of the Secured Debt. The insurance carrier providing the insurance shall be chosen by Mortgagor subject to Lender's approval, which shall not be unreasonably withheld. If Mortgagor fails to maintain the coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property according to the terms of this Security Instrument. All insurance policies and renewals shal! be acceptable to Lender and shall include a standard "mortgage clause" and, where applicable, "loss payee clause". Mortgagor shall immediately notify Lender of cancellation or termination of the insurance. Lender shall have the right to hold the policies and renewals. If Lender requires, Mortgagor shall immediately give to Lender all receipts of paid premiums and renewal notices. Upon loss, Mortgagor shall give immediate notice to the insurance carrier and Lender. Lender may make proof of loss if not made immediately by Mortgagor. Upon receipt of insurance proceeds by the Lender that relates to the compensation for damage to property or content insurance coverage in which the Lender has a security interest, the Lender will deposit such insurance proceeds into a segregated account of a federally insured financial institution. Thereafter, unless otherwise agreed in writing, all insurance proceeds shall be applied to the restoration or repair of the Property or to the Secured Debt, whether or not then due, at Lender's option. Any application of proceeds to principal shall not extend or postpone the due date of the scheduled payment nor change the amount of any payment. Any excess will be paid to the Mortgagor. If the Property is acquired by Lender, Mortgagor's right to any insurance policies and proceeds resulting from damage to the Property before the acquisition shall pass to Lender to the extent of the Secured Debt immediately before the acquisition. 20. Escrow for Taxes and Insurance. Unless otherwise provided in a separate agreement, Mortgagor will not be required to pay to Lender funds for taxes and insurance in escrow. 21. Financial Reports and Additional Documents. Mortgagor will provide to Lender upon request, any financial statement or information Lender may deem reasonably necessary. Mortgagor agrees to sign, deliver, and file any additional documents or certifications that Lender may consider necessary to perfect, continue, and preserve Mortgagor's obligations under this Security Instrument and Lender's lien status on the Property. 22. Joint and Individual Liability; Co-Signers; Successors and Assigns Bound. All duties under this Security Instrument are joint and individual. If Mortgagor signs this Security ‘App ID: 6830255344 LoaniD: 17011581 Mongage Closed End-FL Bankers Systems™ VMP@ 03/2018 Wolters Kluwer Financial Services © 2014 2018112016 3.0.3054-N20170605Y Page 6 of 8 + a ee SS —— SS Se Instrument but does not sign an evidence of debt, Mortgagor does so only to mortgage Mortgagor's interest in the Property to secure payment of the Secured Debt and Mortgagor does not agree to be personally liable on the Secured Debt. If this Security Instrument secures a guaranty between Lender and Mortgagor, Mortgagor agrees to waive any rights that may prevent Lender from bringing any action or claim against Mortgagor or any party indebted under the obligation. These rights may include, but are not limited to, any anti-deficiency or one-action laws. The duties and benefits of this Security Instrument shall bind and benefit the successors and assigns of Mortgagor and Lender. 23. Applicable Law; Severability; Interpretation. This Security Instrument shall be governed by Federal law and the law of the jurisdiction in which the Property is located. This Security Instrument is complete and fully integrated. This Security Instrument may not be amended or modified by oral agreement. Any section in this Security Instrument, attachments, or any agreement related to the Secured Debt that conflicts with applicable law will not be effective, unless that law expressly or impliedly permits the variations by written agreement. If any section of this Security Instrument cannot be enforced according to its terms, that section will be severed and will not affect the enforceability of the remainder of this Security Instrument. Whenever used, the singular shall include the plural and the plural the singular. The captions and headings of the sections of this Security Instrument are for convenience only and are not to be used to interpret or define the terms of this Security Instrument. Time is of the essence in this Security Instrument. 24. Notice. Unless otherwise required by law, any notice shall be given by delivering it or by mailing it by first class mail to the appropriate party's address in this Security Instrument, or to any other address designated in writing. Notice to one mortgagor will be deemed to be notice to all mortgagors. 25. Waivers. Except to the extent prohibited by law, Mortgagor waives all appraisement and homestead exemption rights relating to the Property. 26. Other Terms. If checked, the following are applicable to this Security Instrument: O Construction Loan. This Security Instrument secures an obligation incurred for the construction ofan improvement on the Property. O Fixture Filing. Mortgagor grants to Lender a security interest in all goods that Mortgagor owns now or in the future and that are or will become fixtures related to the Property. This Security Instrument suffices'as a financing statement and any carbon, photographic or other reproduction may be filed of record for purposes of Article 9 of the Uniform Commercial Code. OC Riders. The covenants and agreements of each of the riders checked below are incorporated into and supplement and amend the terms of this Security Instrument. [Check all applicable boxes] O Condominium Rider 0 Planned Unit Development Rider 0 Other: 0 Additional Terms. O Payment of this note or mortgage is subject to the terms of a home improvement installment contract of even date between maker and payee or mortgagor and mortgagee. ‘App 10: 6830255344 LoanD: 17011581 Mortgage Closed End-FL Bankers Systems™ VMP® 03/2018 Wolters Kluwer Financial Services © 2014 2018112016,3.0.3954-N20170805Y Page 7 of 8 se a — a ee = s Re By signing below, Mortgagor agrees to the terms and covenants contained in this Security Instrument and in any attachments. Mortgagor also acknowledges receipt of a copy of this Security Instrument on the date stated in this Security Instrument. Mortgagor Saima M Kelley LM Mile. 29K Date 1050 Yarmouth Street Port Charlotte, FL 33952 Acknowledgment State of Florida County of Charlotte This instrument was acknowledged before me on pl LSE LB by Saima M Kelley . Such person(s) is/are known to me or has/have produced as 4, identification. Notary Publi, TAMMY BLANKENSH| MY.COMMISSION # 245409 “8 IRES:, uly. + Tammy Blawheng hy Bonded Thnu aa (Print Name} My commission expires: Loan Origination Organization: Pentagon Federal C. U. Loan Originator: Hailey Steiner NMLS ID: 401822 NMLS ID: 1326327 ‘App ID: 6830256344 Loanlo: 17011581 Mortgage Closed End-FL Bankers Systems™ VMP@ 03/2018 Wolters Kluwer Financial Services © 2014 2018112016,3.0.3954-N20170805Y_ Page 8 of 8