PROPOSED PHEASANT HILL RESIDENTIAL APARTMENTS
LADO DE LOMA DRIVE
VISTA, CALIFORNIA
10/24/2023 PH1 701 of 2254
NOVA
GEOTECHNICAL
MATERIALS
SPECIAL INSPECTION
SBEDVBE SDVOSB
PROPOSED PHEASANT HILL RESIDENTIAL APARTMENTS
LADO DE LOMA DRIVE
VISTA, CALIFORNIA
10/24/2023 PH1 702 of 2254
NOVA
GEOTECHNICAL
MATERIALS
SPECIAL INSPECTION
SBEDVBE SDVOSB
PROPOSED PHEASANT HILL RESIDENTIAL APARTMENTS
LADO DE LOMA DRIVE
VISTA, CALIFORNIA
10/24/2023 PH1 703 of 2254
NOVA
GEOTECHNICAL
MATERIALS
SPECIAL INSPECTION
SBEDVBE SDVOSB
PROPOSED PHEASANT HILL RESIDENTIAL APARTMENTS
LADO DE LOMA DRIVE
VISTA, CALIFORNIA
10/24/2023 PH1 704 of 2254
NOVA
GEOTECHNICAL
MATERIALS
SPECIAL INSPECTION
SBEDVBE SDVOSB
PROPOSED PHEASANT HILL RESIDENTIAL APARTMENTS
LADO DE LOMA DRIVE
VISTA, CALIFORNIA
10/24/2023 PH1 705 of 2254
NOVA
GEOTECHNICAL
MATERIALS
SPECIAL INSPECTION
SBEDVBE SDVOSB
PROPOSED PHEASANT HILL RESIDENTIAL APARTMENTS
LADO DE LOMA DRIVE
VISTA, CALIFORNIA
10/24/2023 PH1 706 of 2254
NOVA
GEOTECHNICAL
MATERIALS
SPECIAL INSPECTION
SBEDVBE SDVOSB
PROPOSED PHEASANT HILL RESIDENTIAL APARTMENTS
LADO DE LOMA DRIVE
VISTA, CALIFORNIA
10/24/2023 PH1 707 of 2254
Second Update Report of Geotechnical Investigation
Kensho Housing Residential Apartments, Vista, CA
NOVA Project No. 2021172
April 25, 2022
LOGS OF TEST PITS BY OTHERS
10/24/2023 PH1 708 of 2254
UNIFIED SOIL CLASSIFICATION SYSTEM CONSISTENCY OR RELATIVE DENSITY Major Divisions Group
Symbols Typical Names CRITERIA
Co
a
r
s
e
-
G
r
a
i
n
e
d
S
o
i
l
s
Mo
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e
t
h
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n
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%
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t
a
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e
d
o
n
N
o
.
2 0
0 s
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e
v
e
Gr
a
v
e
l
s
50 %
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e
o
f
co
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r
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e
f
r
a
c
t
i
o
n
re
t
a
i
n
e
d
o
n
N
o
.
4 s
i
e
v
e
Cl
e
a
n
Gr
a
v
e
l
s
GW Well-graded gravels and gravel-
sand mixtures, little or no fines Standard Penetration Test Penetration
Resistance N Relative
(blows/ft) Density
0 - 4 Very loose
4 - 10 Loose
10 - 30 Medium
30 - 50 Dense
> 50 Very dense
GP
Poorly graded gravels and
gravel-sand mixtures, little or no
fines
Gr
a
v
e
l
wi
t
h
GM Silty gravels gravel-sand-silt
mixtures
GC Clayey gravels, gravel-sand-clay
mixtures
Sa
n
d
s
mo
r
e
t
h
a
n
5 0
%
o
f
co
a
r
s
e
f
r
a
c
t
i
o
n
pa
s
s
e
s
N
o
.
4 s
i
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v
e
Cl
e
a
n
Sa
n
d
s
SW Well-graded sands and gravelly
sands, little or no fines
SP Poorly graded sands and
gravelly sands, little or no fines
Sa
n
d
s
wi
t
h
Fi
n
e
s
SM Silty sands, sand-silt mixtures
SC Clayey sands, sand-clay
mixtures
Fi
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e
-
G
r
a
i
n
e
d
S
o
i
l
s
50 %
o
r
m
o
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e
p
a
s
s
e
s
N
o
.
2 0
0 s
i
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v
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Si
l
t
s
a
n
d
C
l
a
y
s
Li
q
u
i
d
l
i
m
i
t
50 %
o
r
l
e
s
s
ML
Inorganic silts, very fine sands,
rock flour, silty or clayey fine
sands
Standard Penetration Test
Unconfined
Penetration Compressive
Resistance N Strength
(blows/ft) Consistency (tons/ft 2)
30 Hard >4.00
CL
Inorganic clays of low to
medium plasticity, gravelly clays,
sandy clays, silty clays, lean
clays
OL Organic silts and organic silty
clays of low plasticity
Si
l
t
s
a
n
d
C
l
a
y
s
Li
q
u
i
d
l
i
m
i
t
gr
e
a
t
e
r
t
h
a
n
5 0
%
MH
Inorganic silts, micaceous or
diatomaceous fine sands or silts,
elastic silts
CH Inorganic clays of high plasticity,
fat clays
OH Organic clays of medium to high
plasticity
Highly Organic Soils PT Peat, mucic, and other highly
organic soils
3" 3/4" #4 #10 #40 #200 U.S. Standard Sieve Unified Soil
Classification Cobbles
Gravel Sand Silt or Clay
coarse fine coarse medium fine
MOISTURE CONDITIONS MATERIAL QUANTITY OTHER SYMBOLS Dry Absence of moisture: dusty, dry to the touch trace 0 - 5 %C Core Sample Slightly Moist Below optimum moisture content for compaction few 5 - 10 %S SPT Sample Moist Near optimum moisture content little 10 - 25 % B Bulk Sample Very Moist Above optimum moisture content some 25 - 45 % •• Groundwater Wet Visible free water; below water table Qp Pocket Penetrometer BASIC LOG FORMAT:
Group name, Group symbol, (grain size), color, moisture, consistency or relative density. Additional comments: odor, presence of roots, mica, gypsum, coarse grained particles, etc.
EXAMPLE:
Sand (SP), fine to medium grained, brown, moist, loose, trace silt, little fine gravel, few cobbles up to 4" in size, some hair roots and rootlets.
File:Mgr: c;\SoilClassif.wpd PLATE B-1 10/24/2023 PH1 709 of 2254
W.
O
.
7 0
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10/24/2023 PH1 710 of 2254
W.
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.
7 0
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10/24/2023 PH1 711 of 2254
W.
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10/24/2023 PH1 712 of 2254
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10/24/2023 PH1 713 of 2254
Second Update Report of Geotechnical Investigation
Kensho Housing Residential Apartments, Vista, CA
NOVA Project No. 2021172
April 25, 2022
APPENDIX C
RECORDS OF LABORATORY TESTING
10/24/2023 PH1 714 of 2254
LAB TEST SUMMARY
NOVA
GEOTECHNICAL
MATERIALS
SPECIAL INSPECTION
SBEDVBE SDVOSB SLBE
DATE: FEB 2022 PROJECT: 2021172BY: GN APPENDIX: C.1
x x
x x
x
x x
x 10/24/2023 PH1 715 of 2254
GRADATION ANALYSIS TEST RESULTS
APPENDIX: C.2
NOVA
GEOTECHNICAL
MATERIALS
SPECIAL INSPECTION
SBEDVBE SDVOSB SLBE
DATE: FEB 2022 PROJECT: 2021172BY: GN
10/24/2023 PH1 716 of 2254
GRADATION ANALYSIS TEST RESULTS
APPENDIX: C.3
NOVA
GEOTECHNICAL
MATERIALS
SPECIAL INSPECTION
SBEDVBE SDVOSB SLBE
DATE: FEB 2022 PROJECT: 2021172BY: GN
10/24/2023 PH1 717 of 2254
GRADATION ANALYSIS TEST RESULTS
APPENDIX: C.4
NOVA
GEOTECHNICAL
MATERIALS
SPECIAL INSPECTION
SBEDVBE SDVOSB SLBE
DATE: FEB 2022 PROJECT: 2021172BY: GN
10/24/2023 PH1 718 of 2254
GRADATION ANALYSIS TEST RESULTS
APPENDIX: C.5
NOVA
GEOTECHNICAL
MATERIALS
SPECIAL INSPECTION
SBEDVBE SDVOSB SLBE
DATE: FEB 2022 PROJECT: 2021172BY: GN
10/24/2023 PH1 719 of 2254
GRADATION ANALYSIS TEST RESULTS
APPENDIX: C.6
NOVA
GEOTECHNICAL
MATERIALS
SPECIAL INSPECTION
SBEDVBE SDVOSB SLBE
DATE: FEB 2022 PROJECT: 2021172BY: GN
10/24/2023 PH1 720 of 2254
GRADATION ANALYSIS TEST RESULTS
NOVA
GEOTECHNICAL
MATERIALS
SPECIAL INSPECTION
SBEDVBE SDVOSB
APPENDIX: C.7
SLBE
DATE: FEB 2022 PROJECT: 2021172BY: GN
10/24/2023 PH1 721 of 2254
GRADATION ANALYSIS TEST RESULTS
NOVA
GEOTECHNICAL
MATERIALS
SPECIAL INSPECTION
SBEDVBE SDVOSB
APPENDIX: C.8
SLBE
DATE: FEB 2022 PROJECT: 2021172BY: GN
10/24/2023 PH1 722 of 2254
LAB TEST RESULTS
APPENDIX: C.9
DATE: FEB 2022 PROJECT: 2021172BY: GN
NOVA
GEOTECHNICAL
MATERIALS
SPECIAL INSPECTION
SBEDVBE SDVOSB SLBE
10/24/2023 PH1 723 of 2254
FIGURE: C.10
NOVA
GEOTECHNICAL
MATERIALS
SPECIAL INSPECTION
SBEDVBE SDVOSB SLBE
DIRECT SHEAR TEST RESULTS
BY: GN DATE: FEB 2022 PROJECT: 2021172
10/24/2023 PH1 724 of 2254
Second Update Report of Geotechnical Investigation
Kensho Housing Residential Apartments, Vista, CA
NOVA Project No. 2021172
April 25, 2022
LABORATORY TESTING BY OTHERS
10/24/2023 PH1 725 of 2254
0 5
10 15
20 25
30 35
40 45
50 55
60 65
70 75
80 85
90 95
100
0.0010.010.1110100
coarse medium
HYDROMETERU.S. SIEVE OPENING IN INCHES U.S. SIEVE NUMBERS Sample Depth Classification LL PL PI Cc Cu
TP-2 3.0
100 1403 200
coarse fine
3 60501.5
fine
%Clay%Silt%Sand%GravelD10D30D60D100DepthSample
TP-2 3.0 4.75 0.363
16 20 302
63/41/2 3/8 14 404416810
0.0 68.2 31.8
GRAIN SIZE DISTRIBUTION
GRAIN SIZE IN MILLIMETERS
COBBLES GRAVEL SAND SILT OR CLAY
PE
R
C
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Project: RINA LLC
Number: 7089-A-SC
Date: July 2016
GeoSoils, Inc.
5741 Palmer Way
Carlsbad, CA 92010
Telephone: 760-438-3155
Fax: 760-931-0915 Figure: D - 1
US
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10/24/2023 PH1 726 of 2254
0 5
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40 45
50 55
60 65
70 75
80 85
90 95
100
0.0010.010.1110100
coarse medium
6 810
0.115 1.3 90.3 6.9
GRAIN SIZE DISTRIBUTION
GRAIN SIZE IN MILLIMETERS
COBBLES GRAVEL SAND SILT OR CLAY
PE
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Project: RINA LLC
Number: 7089-A-SC
Date: July 2016
HYDROMETERU.S. SIEVE OPENING IN INCHES U.S. SIEVE NUMBERS Sample Depth Classification LL PL PI Cc Cu
TP-7 3.0
100 1403 200
coarse fine
3 60501.5
fine
1.52 9.80
%Clay%Silt%Sand%GravelD10D30D60D100DepthSample
TP-7 3.0 19 1.123 0.442
16 20 302
63/41/2 3/8 14 40441
GeoSoils, Inc.
5741 Palmer Way
Carlsbad, CA 92010
Telephone: 760-438-3155
Fax: 760-931-0915 Figure: D - 2
US
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10/24/2023 PH1 727 of 2254
0 1,000
2,000
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0 1,000 2,000 3,000 4,000
SH
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A
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S
T
R
E
N
G
T
H
,
p
s
f
NORMAL PRESSURE, psf
Residual Shear
Primary Shear Remolded
Remolded
DIRECT SHEAR TEST
Note: Sample Innundated prior to testing
Sample Depth/El.MC%
TP-2
TP-2
3.0 3.1
117.0
117.0
10.0 10.0
218
166
Sample TypePrimary/Residual Shear c
32 32
Project: RINA LLC
Number: 7089-A-SC
Date: July 2016
GeoSoils, Inc.
5741 Palmer Way
Carlsbad, CA 92010
Telephone: 760-438-3155
Fax: 760-931-0915 Figure: D - 3
US
_
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10/24/2023 PH1 728 of 2254
0 1,000
2,000
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SH
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A
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S
T
R
E
N
G
T
H
,
p
s
f
NORMAL PRESSURE, psf
Residual Shear
Primary Shear Remolded
Remolded
DIRECT SHEAR TEST
Note: Sample Innundated prior to testing
Sample Depth/El.MC%
TP-7
TP-7
3.0 3.1
118.8
118.8
9.0 9.0
210
189
Sample TypePrimary/Residual Shear c
40 34
Project: RINA LLC
Number: 7089-A-SC
Date: July 2016
GeoSoils, Inc.
5741 Palmer Way
Carlsbad, CA 92010
Telephone: 760-438-3155
Fax: 760-931-0915 Figure: D - 4
US
_
D
I
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C
T
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S
H
E
A
R
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D
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2 9
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1 6
10/24/2023 PH1 729 of 2254
Cal Land Engineering,Inc.
dba Quartech Consultant
Geotechnical, Environmental, and Civil Engineering
576 East Lambert Road, Brea, California 92821; Tel: 714-671-1050; Fax: 714-671-1090
SUMMARY OF LABORATORY TEST DATA
GeoSoils, Inc. QCI Project No.: 16-029-006h 5741 Palmer Way, Suite D Date: June 10, 2016
Carlsbad, CA 92010 Summarized by: KA W.O. 7089-A-SC
Project Name: Pheasant Hills
Client: Rina LLC
Corrosivity Test Results
Sample ID Sample
Depth
(ft)
pH
CT-532
(643)
Chloride
CT-422
(ppm)
Sulfate
CT-417
% By
Weight
Resistivity
CT-532 (643)
(ohm-cm)
TP-2 2-3’8.79 180 0.0170 660
W.O. 7089-A-SC
PLATE D-5
10/24/2023 PH1 730 of 2254
Second Update Report of Geotechnical Investigation
Kensho Housing Residential Apartments, Vista, CA
NOVA Project No. 2021172
April 25, 2022
APPENDIX D
RECORDS OF GEOPHYSICAL TESTING
10/24/2023 PH1 731 of 2254
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10/24/2023 PH1 733 of 2254
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10/24/2023 PH1 734 of 2254
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10/24/2023 PH1 735 of 2254
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10/24/2023 PH1 736 of 2254
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Second Update Report of Geotechnical Investigation
Kensho Housing Residential Apartments, Vista, CA
NOVA Project No. 2021172
April 25, 2022
APPENDIX E
WORKSHEET C.4-1: CATEGORIZATION OF
INFILTRATION FEASIBILITY
10/24/2023 PH1 746 of 2254
Appendix C: Geotechnical and Groundwater Investigation Requirements C-11 February 26, 2016
Worksheet C.4-1: Categorization of Infiltration Feasibility Condition Categorization of Infiltration Feasibility Condition Worksheet C.4-1 Part 1 - Full Infiltration Feasibility Screening Criteria Would infiltration of the full design volume be feasible from a physical perspective without any undesirable consequences that cannot be reasonably mitigated?
Note that it is not necessary to investigate each and every criterion in the worksheet if infiltration is precluded. Instead a letter of justification from a geotechnical professional familiar with the local conditions substantiating any geotechnical issues will be required.
Criteria Screening Question Yes No
1 Is the estimated reliable infiltration rate below proposed facility locations greater than 0.5 inches per hour? The response to this Screening Question must be based on a comprehensive evaluation of the factors presented in Appendix C.2 and Appendix D.
2 Can infiltration greater than 0.5 inches per hour be allowed without increasing risk of geotechnical hazards (slope stability, groundwater mounding, utilities, or other factors) that cannot be mitigated to an acceptable level? The response to this Screening Question must be based on a comprehensive evaluation of the factors presented in Appendix C.2.
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10/24/2023 PH1 747 of 2254
Appendix C: Geotechnical and Groundwater Investigation Requirements C-12 February 26, 2016
Worksheet C.4-1 Page 2 of 4
Criteria Screening Question Yes No
3 Can infiltration greater than 0.5 inches per hour be allowed without increasing risk of groundwater contamination (shallow water table, storm water pollutants or other factors) that cannot be mitigated to an acceptable level? The response to this Screening Question must be based on a comprehensive evaluation of the factors presented in Appendix C.3.
4 Can infiltration greater than 0.5 inches per hour be allowed without causing potential water balance issues such as change of seasonality of ephemeral streams or increased discharge of contaminated groundwater to surface waters? The response to this Screening Question must be based on a comprehensive evaluation of the factors presented in Appendix C.3.
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Part 1
Result*
If all answers to rows 1 - 4 are “Yes” a full infiltration design is potentially feasible.
The feasibility screening category is Full Infiltration If any answer from row 1-4 is “No”, infiltration may be possible to some extent but would not generally be feasible or desirable to achieve a “full infiltration” design.
Proceed to Part 2
*To be completed using gathered site information and best professional judgment considering the definition of MEP in the MS4 Permit. Additional testing and/or studies may be required by County staff to substantiate findings.
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10/24/2023 PH1 748 of 2254
Appendix C: Geotechnical and Groundwater Investigation Requirements C-13 February 26, 2016
Worksheet C.4-1 Page 3 of 4
Part 2 – Partial Infiltration vs. No Infiltration Feasibility Screening Criteria Would infiltration of water in any appreciable amount be physically feasible without any negative consequences that cannot be reasonably mitigated?
Criteria Screening Question Yes No
5 Do soil and geologic conditions allow for infiltration in any appreciable rate or volume? The response to this Screening Question must be based on a comprehensive evaluation of the factors presented in Appendix C.2 and Appendix D.
6 Can Infiltration in any appreciable quantity be allowed without increasing risk of geotechnical hazards (slope stability, groundwater mounding, utilities, or other factors) that cannot be mitigated to an acceptable level? The response to this Screening Question must be based on a comprehensive evaluation of the factors presented in Appendix C.2.
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10/24/2023 PH1 749 of 2254
Appendix C: Geotechnical and Groundwater Investigation Requirements C-14 February 26, 2016
Worksheet C.4-1 Page 4 of 4
Criteria Screening Question Yes No
7 Can Infiltration in any appreciable quantity be allowed without posing significant risk for groundwater related concerns (shallow water table, storm water pollutants or other factors)? The response to this Screening Question must be based on a comprehensive evaluation of the factors presented in Appendix C.3. 8 Can infiltration be allowed without violating downstream water rights? The response to this Screening Question must be based on a comprehensive evaluation of the factors presented in Appendix C.3.
Part 2
Result*
If all answers from row 5-8 are yes then partial infiltration design is potentially feasible.
The feasibility screening category is Partial Infiltration.
If any answer from row 5-8 is no, then infiltration of any volume is considered to be infeasible within the drainage area. The feasibility screening category is No Infiltration. *To be completed using gathered site information and best professional judgment considering the definition of MEP in the MS4 Permit. Additional testing and/or studies may be required by Agency/Jurisdictions to substantiate findings Provide basis:
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Appendix C: Geotechnical and Groundwater Investigation Requirements C-11 February 26, 2016
Worksheet C.4-1: Categorization of Infiltration Feasibility Condition Categorization of Infiltration Feasibility Condition Worksheet C.4-1 Part 1 - Full Infiltration Feasibility Screening Criteria Would infiltration of the full design volume be feasible from a physical perspective without any undesirable consequences that cannot be reasonably mitigated?
Note that it is not necessary to investigate each and every criterion in the worksheet if infiltration is precluded. Instead a letter of justification from a geotechnical professional familiar with the local conditions substantiating any geotechnical issues will be required.
Criteria Screening Question Yes No
1 Is the estimated reliable infiltration rate below proposed facility locations greater than 0.5 inches per hour? The response to this Screening Question must be based on a comprehensive evaluation of the factors presented in Appendix C.2 and Appendix D.
2 Can infiltration greater than 0.5 inches per hour be allowed without increasing risk of geotechnical hazards (slope stability, groundwater mounding, utilities, or other factors) that cannot be mitigated to an acceptable level? The response to this Screening Question must be based on a comprehensive evaluation of the factors presented in Appendix C.2.
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10/24/2023 PH1 751 of 2254
Appendix C: Geotechnical and Groundwater Investigation Requirements C-12 February 26, 2016
Worksheet C.4-1 Page 2 of 4
Criteria Screening Question Yes No
3 Can infiltration greater than 0.5 inches per hour be allowed without increasing risk of groundwater contamination (shallow water table, storm water pollutants or other factors) that cannot be mitigated to an acceptable level? The response to this Screening Question must be based on a comprehensive evaluation of the factors presented in Appendix C.3.
4 Can infiltration greater than 0.5 inches per hour be allowed without causing potential water balance issues such as change of seasonality of ephemeral streams or increased discharge of contaminated groundwater to surface waters? The response to this Screening Question must be based on a comprehensive evaluation of the factors presented in Appendix C.3.
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LQILOWUDWLRQUDWHVEHXWLOL]HGIRUWKHGHVLJQDWWKLVVLWHLQWKHORFDWLRQRI3DQG3 Part 1
Result*
If all answers to rows 1 - 4 are “Yes” a full infiltration design is potentially feasible.
The feasibility screening category is Full Infiltration If any answer from row 1-4 is “No”, infiltration may be possible to some extent but would not generally be feasible or desirable to achieve a “full infiltration” design.
Proceed to Part 2
*To be completed using gathered site information and best professional judgment considering the definition of MEP in the MS4 Permit. Additional testing and/or studies may be required by County staff to substantiate findings.
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10/24/2023 PH1 752 of 2254
Appendix C: Geotechnical and Groundwater Investigation Requirements C-13 February 26, 2016
Worksheet C.4-1 Page 3 of 4
Part 2 – Partial Infiltration vs. No Infiltration Feasibility Screening Criteria Would infiltration of water in any appreciable amount be physically feasible without any negative consequences that cannot be reasonably mitigated?
Criteria Screening Question Yes No
5 Do soil and geologic conditions allow for infiltration in any appreciable rate or volume? The response to this Screening Question must be based on a comprehensive evaluation of the factors presented in Appendix C.2 and Appendix D.
6 Can Infiltration in any appreciable quantity be allowed without increasing risk of geotechnical hazards (slope stability, groundwater mounding, utilities, or other factors) that cannot be mitigated to an acceptable level? The response to this Screening Question must be based on a comprehensive evaluation of the factors presented in Appendix C.2.
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10/24/2023 PH1 753 of 2254
Appendix C: Geotechnical and Groundwater Investigation Requirements C-14 February 26, 2016
Worksheet C.4-1 Page 4 of 4
Criteria Screening Question Yes No
7 Can Infiltration in any appreciable quantity be allowed without posing significant risk for groundwater related concerns (shallow water table, storm water pollutants or other factors)? The response to this Screening Question must be based on a comprehensive evaluation of the factors presented in Appendix C.3. 8 Can infiltration be allowed without violating downstream water rights? The response to this Screening Question must be based on a comprehensive evaluation of the factors presented in Appendix C.3.
Part 2
Result*
If all answers from row 5-8 are yes then partial infiltration design is potentially feasible.
The feasibility screening category is Partial Infiltration.
If any answer from row 5-8 is no, then infiltration of any volume is considered to be infeasible within the drainage area. The feasibility screening category is No Infiltration. *To be completed using gathered site information and best professional judgment considering the definition of MEP in the MS4 Permit. Additional testing and/or studies may be required by Agency/Jurisdictions to substantiate findings Provide basis:
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City of Vista Attachment G – Greenhouse Gas Emissions Technical Memorandum Tideline Kensho Residential Project – IS/MND P-22-0282 August 2023
Attachment G – Greenhouse Gas Emissions Technical Memorandum
10/24/2023 PH1 756 of 2254
City of Vista Attachment G – Greenhouse Gas Emissions Technical Memorandum Tideline Kensho Residential Project – IS/MND P-22-0282 August 2023
This page left intentionally blank.
10/24/2023 PH1 757 of 2254
600 B Street, Suite 2000, San Diego, CA 92101 p: 619.236.1778 f: 619.236.1179 www.WeAreHarris.com
TECHNICAL MEMORANDUM
To: Lev Gershman, Managing Partner, Tideline Partners
From:Sharon Toland, Project Manager, Harris & Associates and Kelsey Hawkins, Deputy Project Manager, Harris & Associates
Subject:Tideline Kensho Residential Project – Greenhouse Gas Emissions Analysis Date: May 1, 2023
CC: Ryan Binns, Senior Director, Harris & Associates
Att:1, CalEEMod Results
Dear Mr. Gershman,
The following presents the results of Harris & Associates’ analysis of the potential impacts of greenhouse gas (GHG) emissions from implementation of the proposed Tideline Kensho Residential Project (Project). The Project would develop183 dwelling units, including threethree-story buildings and one four-story building with covered parking included in three of the four buildings. The site would be rezoned out of the Pheasant Hill Specific Plan and into the Downtown Vista Specific Plan and would also include a General Plan amendment, a zoning change, a Site Development Plan, and a Tentative Parcel Map. The Project also proposes off-site sidewalk improvements on the northern side of Guajome Street from Eddie Drive to the Project site and on the southern side of Guajome Street between the Project’s western property line and Mercantile Street. The Project site is on the southern side of Guajome Street just west of the existing SPRINTER light-rail line. Adjacent properties include single-family residential to the north, south, and west (and across Lado De Loma Drive). Commercial development is across Guajome Street, and vacant parcels, commercial development, and multi-family residential development are to the east across the SPRINTER tracks.
Background
A GHG is any gas that absorbs infrared radiation and traps heat in the atmosphere. GHGs are produced from natural processes and human activities. The accumulation of GHGs in the atmosphere influences the long-term atmospheric temperatures and contributes to global climate change. In California, per Assembly Bill 32 (2016), GHGs are defined to include carbon dioxide (CO2), methane (CH4), nitrous oxide (N2O), hydrofluorocarbons, perfluorocarbons, and sulfur hexafluoride, plus chlorofluorocarbons and other chlorine- or bromine-containing gases. Hydrofluorocarbons, perfluorocarbons, and sulfur hexafluoride are synthetic, powerful GHGs that are emitted from a variety of industrial processes and the production of chlorodifluoromethane. Construction or operation of the Project would not include any industrial processes, and chlorodifluoromethane has been mostly phased out of use in the United States, with the exception of feedstock production (USEPA 2022). Therefore, these GHGs are not discussed further in this memorandum. CO2 accounts for the largest amount of GHG emissions, and collectively, CO2, CH4, and N2O amount to 80 percent of the total radiative forcing from well-mixed GHGs (CARB 2014).
For each GHG, a global warming potential has been calculated to reflect how long emissions remain in the atmosphere and how strongly each GHG absorbs energy on a per-kilogram basis relative to CO2. For example, one pound of CH4 has 25 times more heat-capturing potential than one pound of CO2. To simplify reporting and analysis, GHG emissions are typically reported in metric tons of carbon dioxide equivalent (MTCO2e). Global warming potential is a metric that indicates the relative climate forcing of a kilogram of emissions when averaged 10/24/2023 PH1 758 of 2254
2 over the period of interest. Table 1, Global Warming Potential for Select Greenhouse Gases, identifies the CO2e and atmospheric lifetimes of basic GHGs.
Table 1. Global Warming Potential for Select Greenhouse Gases Pollutant Atmospheric Lifetime (years)Global Warming Potential (100-year)1 CH4 12 28
CO2 ~100 1
N2O 121 265
Source:CAPCOA 2021. Consistent with CalEEMod, Version 2020.4.0.
Notes: CH4 = methane; CO2 = carbon dioxide; N2O = nitrous oxide 1 The warming effects over a 100-year period relative to other GHGs.
Regulatory Setting
Federal
The U.S. Environmental Protection Agency is responsible for implementing federal policy to address global climate change. In 2009, the U.S. Environmental Protection Agency issued a Final Rule for mandatory reporting of GHG emissions, which applies to fossil fuel and industrial gas suppliers, direct GHG emitters, and manufacturers of heavy- duty and off-road vehicles and requires annual reporting of emissions. This rule does not regulate the emission of GHGs; it only requires the monitoring and reporting of GHGs for those sources above certain thresholds.
State
California has enacted a variety of legislation relating to climate change, much of which has set aggressive goals for GHG emissions reductions throughout the state. California Executive Order S-03-05 (2005) establishes the goal of reducing GHG emissions to 2000 levels by 2010, 1990 levels by 2020, and 80 percent below 1990 levels by 2050.
In September 2006, Governor Schwarzenegger signed California’s Global Warming Solutions Act of 2006 (Assembly Bill 32), requiring the California Air Resources Board to establish a statewide GHG emissions cap for 2020 based on 1990 emissions and to adopt mandatory reporting rules for significant sources of GHG emissions.
In April 2015, Governor Brown signed Executive Order B-30-15, which established the goal of reducing GHG emissions to 40 percent below 1990 levels by 2030.
Local
The City of Vista adopted an updated Climate Action Plan (CAP) in October 2021. The CAP includes targets to reduce Citywide GHG emissions by four percent below 2012 levels by 2020 and by 42 percent below 2012 levels by 2030. The City would meet its 2020 emissions reduction target without additional City-level action based on existing activities and trends. However, to meet the City’s 2030 reduction target, additional actions beyond those implemented at the federal and state level are required. The CAP identifies strategies and measures to reduce GHG emissions Citywide from a variety of emissions categories to meet the City’s 2030 target. CAP consistency is anticipated to be determined through a CAP Consistency Review Checklist (Checklist). The Checklist would contain GHG reduction measures applicable to development projects that are required to be implemented on a project-by-project basis to ensure that the specific emissions targets identified in the CAP are achieved. Once the process for determining project consistency is adopted, the CAP would be a qualified plan that may be used for the specific purpose of streamlining the California Environmental Quality Act (CEQA) analysis of GHG emissions for subsequent projects.
Significance Thresholds
Given the relatively low levels of emissions generated by a typical development in relationship to the total amount of GHG emissions generated on a national or global basis, individual development projects are not expected to result in significant, direct impacts with respect to climate change. However, given the magnitude of the impact of GHG emissions on the global climate, GHG emissions from new development could result in significant, 10/24/2023 PH1 759 of 2254
3 cumulative impacts with respect to climate change. Thus, the potential for a significant GHG impact is limited to cumulative impacts.
According to Appendix G of the CEQA Guidelines, a project would have a significant climate change impact if it would:
x Generate GHG either directly or indirectly, that may have a significant impact on the environment. x Conflict with an applicable plan, policy, or regulation adopted for the purpose of reducing the emissions of GHG.
The determination of significance is governed by CEQA Guidelines, Section 15064.4, which states that “the determination of the significance of greenhouse gas emissions calls for a careful judgment by the lead agency consistent with the provisions in Section 15064. A lead agency should make a good-faith effort, based to the extent possible on scientific and factual data, to describe, calculate or estimate the amount of greenhouse gas emissions resulting from a project. A lead agency shall have discretion to determine, in the context of a particular project, whether to [use a quantitative model or qualitative model].” In turn, CEQA Guidelines, Section 15064.4(b), clarifies that a lead agency should consider “whether the project emissions exceed a threshold of significance that the lead agency determines applies to the project.” Therefore, consistent with CEQA Guidelines, Section 15064.4, the GHG analysis for the Project appropriately relies on a threshold based on the exercise of careful judgment and believed to be appropriate in the context of this particular Project.
The potential GHG impacts from implementation of the Downtown Vista Specific Plan were determined based on consistency with GHG reduction measures recommended by state agencies and a regional goal of reducing GHG emissions by 35 percent compared to business-as-usual. The reduction measures and target have been replaced by the City’s local climate planning efforts. As previously stated, the City has adopted a CAP, but the process for determining project consistency with the CAP is not yet available. The City has adopted interim guidance for evaluating individual development projects in the City based on the statewide emissions reduction targets and the previous CAP (City of Vista 2016). In accordance with the City’s guidance, if total Project annual GHG emissions are less than 1,185 MTCO2e, then the Project would not generate GHG emissions that would have a significant impact on the environment.
Neither the San Diego County Air Pollution Control District nor the City has adopted thresholds for determining the significance of a project’s temporary construction GHG emissions. To be conservative in accounting for the Project’s GHG emissions, the construction period emissions were amortized (i.e., averaged) over the anticipated 30-year lifespan of the Project buildings and added to the Project’s operational emissions.
Impact Analysis
Construction
Construction activities associated with the Project would result in short-term GHG emissions from heavy equipment and construction worker vehicles. Project construction emissions were estimated using the California Emissions Estimator Model (CalEEMod), version 2020.4.0, based on construction information provided by the applicant, including construction schedule (approximately 21 months total), material movement (net export of 20,000 cubic yards), construction worker trips (B&G Consultants 2023), and total disturbance area (five acres).
CalEEMod default inputs were assumed for construction equipment and vendor and haul vehicle trips. Model assumptions are provided in Attachment 1, CalEEMod Results.
Total GHG emissions associated with construction of the Project would be approximately 893 MTCO2e. Amortized construction emissions for the Project would be 30 MTCO2e per year. The significance of the amortized construction emissions is addressed with operational emissions below.
Operation
Following construction, operation of the Project would result in a net increase in GHG emissions associated with vehicle trips, buildings (natural gas, purchased electricity), water consumption (energy embodied in potable water), solid waste management (including transport and landfill gas generation), and area sources (landscape equipment).
Operational impacts were also estimated using CalEEMod. CalEEMod default inputs were assumed for the Project, 10/24/2023 PH1 760 of 2254
4 with the exception of vehicle trips and landscaping water use. Vehicle trip generation data was obtained from the Project’s Local Transportation Study (CRA 2022). Vehicle trip length was adjusted to the regional trip estimate for residential use reported in the (Not So) Brief Guide of Vehicular Traffic Generation Rates for the San Diego Region (SANDAG 2002). The trip rate and length did not account for the Project’s increased density compared to existing conditions, proximity to transit service, and implementation of new pedestrian facilities. Additionally, default indoor water use did not account for implementation of low-water use appliances. Therefore, these measures were selected in CalEEMod. Model assumptions are provided in Attachment 1. Calculated GHG emissions from Project operation are presented in Table 2, Estimated Annual Operational Emissions.
Table 2. Estimated Annual Operational Emissions
Emissions Source CO2e Emissions (metric tons)
Vehicle Emissions 491
Electricity 269
Natural Gas 71
Solid Waste 42
Water Use 58
Area Sources 2
Amortized Construction Emissions 30
Total Annual Emissions 963
Source:Attachment 1.
Notes:CO2e = carbon dioxide equivalent
As shown in Table 2, GHG emissions from the Project’s ongoing operation and amortized construction would be approximately 963 MTCO2e, which is below the City’s significance threshold of 1,185 MTCO2e. This impact would be less than significant.
Summary
Implementation of the Project would not result in a significant impact related to GHG emissions consistent with the findings of the Downtown Vista Specific Plan Update Program Environmental Impact Report (City of Vista 2010). No mitigation measures would be required.
References
B&GConsultants. 2023. Kensho Multi-Family Housing Project Estimated On-Site Manpower Analysis. January.
CARB (California Air Resources Board). 2014. First Update to the Climate Change Scoping Plan: Building on the Framework Pursuant to AB 32, the California Global Warming Solutions Act of 2006. May. Accessed DĂLJ 2023. https://www.arb.ca.gov/cc/scopingplan/2013_update/first_update_climate_change_scoping_plan.pdf .
CAPCOA (California Air Pollution Control Officers Association). 2021. “Appendix A: Calculation Details for CalEEMod.” In California Emissions Estimator Model Users Guide. Version 2020.4.0. May.
City of Vista. 2010. Downtown Vista Specific Plan Update Program Environmental Impact Report (SCH No. 2009061018). March 11.
City of Vista. 2016. Interim Guidance Memorandum on Assessing GHG Emissions from Projects Subject to CEQA.
City of Vista. 2021. City of Vista Climate Action Plan. October.
CRA (CR Associates). 2022. Pheasant Hill Multi-Family Local Transportation Study. December.
SANDAG (San Diego Association of Governments). 2002. (Not So) Brief Guide of Vehicular Traffic Generation Rates For The San Diego Region. April.
USEPA (U.S. Environmental Protection Agency). 2022. “Phaseout of Ozone-Depleting Substances (ODS).” Last updated June 16. Accessed DĂLJ 2023. https://www.epa.gov/ods-phaseout . 10/24/2023 PH1 761 of 2254
Attachment 1. CalEEMod Results
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10/24/2023 PH1 763 of 2254
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10/24/2023 PH1 770 of 2254
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10/24/2023 PH1 771 of 2254
3. 1
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10/24/2023 PH1 782 of 2254
3. 5
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10/24/2023 PH1 783 of 2254
3. 5
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10/24/2023 PH1 784 of 2254
3. 6
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3. 8
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5. 2
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7. 1
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8. 2
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11 .
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City of Vista Attachment H – Phase I Environmental Site Assessment Tideline Kensho Residential Project – IS/MND P-22-0282 August 2023
Attachment H – Phase I Environmental Site Assessment
10/24/2023 PH1 808 of 2254
City of Vista Attachment H – Phase I Environmental Site Assessment Tideline Kensho Residential Project – IS/MND P-22-0282 August 2023
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10/24/2023 PH1 809 of 2254
PHASE I ENVIRONMENTAL SITE ASSESSMENT
420 and 446 Lado De Loma Drive and 212 Guajome Street
Vista, California
AEC Project No. 22-004SD
January 19, 2022
Prepared for:
Tideline Guajome, LLC
2148 Jimmy Durante Blvd, Suite B
Del Mar, California 92014
Prepared by:
Advantage Environmental Consultants, LLC
145 Vallecitos De Oro, Suite 201
San Marcos, California 92069
Phone (760) 744-3363 x FAX (760) 744-3383
10/24/2023 PH1 810 of 2254
145 Vallecitos De Oro, 201, San Marcos, CA 92069 Ph: 760-744-3363 Fax: 760-744-3383 [email protected]
January 19, 2022
Lev Gershman
Tideline Guajome, LLC
2148 Jimmy Durante Blvd, Suite B
Del Mar, California 92014
Subject: Phase I Environmental Site Assessment
420 and 446 Lado De Loma Drive and 212 Guajome Street
Vista, California 92083
AEC Project Number 22-004SD
Dear Mr. Gershman:
Advantage Environmental Consultants, LLC (AEC) has performed a Phase I Environmental Site Assessment (ESA) in conformance with the scope and limitations of American Society for Testing and Materials Practice E 1527-13 and 40 Code of Federal Regulations Part 312 of the above-referenced property. This ESA included public environmental agency and historical record reviews, interviews, site observations, and report preparation. This report includes AEC’s findings, conclusions, recommendations, and supporting documentation.
We appreciate the opportunity to be of service on this project. If you should have any questions regarding this report, or if we can be of further assistance, please contact us at (760) 744-3363.
Sincerely,
ADVANTAGE ENVIRONMENTAL CONSULTANTS, LLC
___________________________ ___________________________ Trevor Kelly Todd Jacquay
Environmental Scientist Branch Manager
Western Regional Office
10/24/2023 PH1 811 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
TABLE OF CONTENTS
1.0 INTRODUCTION .............................................................................................................................. 1
1.1 PURPOSE ........................................................................................................................................... 1
1.2 DETAILED SCOPE OF SERVICES .......................................................................................................... 2
1.3 SIGNIFICANT ASSUMPTIONS ................................................................................................................ 2
1.4 LIMITATIONS AND EXCEPTIONS ............................................................................................................ 3
1.5 SPECIAL TERMS AND CONDITIONS ....................................................................................................... 3
1.6 USER RELIANCE ................................................................................................................................. 4
2.0 SITE DESCRIPTION ........................................................................................................................ 5
2.1 LOCATION AND LEGAL DESCRIPTION .................................................................................................... 5
2.2 SITE AND VICINITY GENERAL CHARACTERISTICS .................................................................................. 5
2.3 CURRENT USE OF THE SITE ................................................................................................................ 5
2.4 DESCRIPTION OF STRUCTURES, ROADS, OTHER IMPROVEMENTS ON THE SITE ...................................... 5
2.5 CURRENT USES OF THE ADJOINING PROPERTIES ................................................................................. 5
3.0 USER PROVIDED INFORMATION ................................................................................................. 6
3.1 TITLE RECORDS ................................................................................................................................. 6
3.2 ENVIRONMENTAL LIENS OR ACTIVITY AND USE LIMITATIONS ................................................................. 6
3.3 SPECIALIZED KNOWLEDGE .................................................................................................................. 6
3.4 COMMONLY KNOWN OR REASONABLY ASCERTAINABLE INFORMATION ................................................... 6
3.5 VALUATION REDUCTION FOR ENVIRONMENTAL ISSUES ......................................................................... 6
3.6 OWNER, PROPERTY MANAGER, AND OCCUPANT INFORMATION ............................................................. 6
3.7 REASON FOR PERFORMING PHASE I ESA ............................................................................................ 7
3.8 OTHER ............................................................................................................................................... 7
4.0 RECORDS REVIEW ........................................................................................................................ 8
4.1 STANDARD ENVIRONMENTAL RECORD SOURCES ................................................................................. 8
4.2 ADDITIONAL ENVIRONMENTAL RECORD SOURCES .............................................................................. 13
4.3 PHYSICAL SETTING SOURCES ........................................................................................................... 14
4.3.1 TOPOGRAPHY AND HYDROLOGY ........................................................................................................ 14
4.3.2 GEOLOGY ........................................................................................................................................ 14
4.3.3 HYDROGEOLOGY .............................................................................................................................. 15
4.4 HISTORICAL USE INFORMATION ......................................................................................................... 15
4.4.1 FIRE INSURANCE MAPS ..................................................................................................................... 15
4.4.2 HISTORIC CITY DIRECTORIES ............................................................................................................ 15
4.4.3 TOPOGRAPHIC MAPS ........................................................................................................................ 15
4.4.4 AERIAL PHOTOGRAPHS ..................................................................................................................... 16
4.4.5 STATE OF CALIFORNIA GEOLOGIC ENERGY MANAGEMENT DIVISION ................................................... 17
5.0 SITE RECONNAISSANCE ............................................................................................................ 18
5.1 METHODOLOGY AND LIMITING CONDITIONS ........................................................................................ 18
5.2 GENERAL SITE SETTING ................................................................................................................... 18
5.3 SITE OBSERVATIONS ........................................................................................................................ 18
6.0 INTERVIEW INFORMATION ......................................................................................................... 20
6.1. INTERVIEW W ITH OWNER .................................................................................................................. 20
6.2 INTERVIEW W ITH SITE MANAGER ...................................................................................................... 20
6.3 INTERVIEWS W ITH OCCUPANTS ......................................................................................................... 20 10/24/2023 PH1 812 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
6.4 INTERVIEW W ITH LOCAL GOVERNMENT OFFICIAL ............................................................................... 20
6.5 INTERVIEW W ITH OTHERS ................................................................................................................. 20
7.0 ADDITIONAL SERVICES .............................................................................................................. 21
7.1 ASBESTOS CONTAINING MATERIALS .................................................................................................. 21
7.2 LEAD BASED PAINT .......................................................................................................................... 21
7.3 LEAD IN DRINKING W ATER ................................................................................................................ 21
7.4 RADON ............................................................................................................................................ 21
7.5 MOLD .............................................................................................................................................. 21
7.6 WETLANDS ....................................................................................................................................... 21
7.7 VAPOR ENCROACHMENT SCREENING ................................................................................................ 22
8.0 FINDINGS, OPINIONS, CONCLUSIONS AND RECOMMENDATIONS ...................................... 23
9.0 DEVIATIONS AND DATA GAPS .................................................................................................. 24
10.0 REFERENCES ............................................................................................................................... 25
11.0 SIGNATURES AND QUALIFICATIONS OF ENVIRONMENTAL PROFESSIONALS ................ 26
12.0 APPENDICES
12.1 VICINITY MAP
12.2 SITE PLAN
12.3 SITE PHOTOGRAPHS
12.4 PROVIDED TITLE REPORTS
12.5 REGULATORY DATABASE REPORT
12.6 FIRE INSURANCE MAP NO COVERAGE LETTER
12.7 HISTORICAL RESOURCES
12.8 OWNER ENVIROMENTAL QUESTIONNAIRE
12.9 QUALIFICATIONS OF THE ENVIRONMENTAL PROFESSIONALS
10/24/2023 PH1 813 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
1 1.0 Introduction
1.1 Purpose
The purpose of this Phase I Environmental Site Assessment (ESA) prepared by Advantage Environmental Consultants, LLC (AEC) is to provide a professional opinion on the presence of recognized environmental conditions and other suspect environmental conditions in connection with the Site, as they existed on the date of the site inspection, and to recommend whether further investigation is required. American Society for Testing and Materials (ASTM) Standard Practice E 1527-13, Standard Practice for Environmental Site Assessments: Phase I Environmental Site Assessment Process, defines good commercial and customary practice for conducting an environmental site assessment of a parcel of commercial real estate with respect to the range of contaminants pertinent to the scope of the Comprehensive Environmental Response, Compensation and Liability Act (CERCLA), as well as petroleum products. As such, this ESA is intended to satisfy one of the threshold criteria for satisfying the landowner liability protections to CERCLA liability assuming compliance with other elements of the defense. In other words, this ESA represents one of the practices that constitute “all appropriate inquiry” into the previous ownership and uses of the property consistent with good commercial or customary practice, as defined in 42 USC Section 9601(35)(B) and 40 CFR Part 312.
The goal of the process is to identify RECs, which are defined by the Practice as “the presence or likely presence of any hazardous substances or petroleum products in, on, or at a property: 1) due to any release to the environment; 2) under conditions indicative of a release to the environment; or 3) under conditions that pose a material threat of a future release to the environment. The term recognized environmental condition includes hazardous substances or petroleum products even under conditions in compliance with laws. The term is not intended to include de minimis conditions that generally do not present a material risk of harm to public health or the environment and that generally would not be the subject of an enforcement action if brought to the attention of appropriate governmental agencies.
The term "environment" is defined in CERCLA 42 USC 9601(8) as "(A) the navigable waters, the water of the contiguous zone, and the ocean waters of which the natural resources are under the exclusive management authority of the United States under the Magnuson-Stevens Fishery conservation and Management Act, and (B) any other surface water, ground water, drinking water supply, land surface or subsurface strata, or ambient air within the United States or under the jurisdiction of the United States.
The term “release” means any spilling, leaking, pumping, pouring, emitting, emptying, discharging, injecting, escaping, leaching, dumping, or disposing into the environment (including the abandonment or discarding of barrels, containers, and other closed receptacles containing any hazardous substance or pollutant or contaminant), but excludes (A) any release which results in exposure to persons solely within a workplace, with respect to a claim which such persons may assert against the employer of such persons, (B) emissions from the engine exhaust of a motor vehicle, rolling stock, aircraft, vessel, or pipeline pumping station engine, (C) release of source, byproduct, or special nuclear material from a nuclear incident, as those terms are defined in the Atomic Energy Act of 1954 [42 U.S.C. 2011 et seq.], if such release is subject to requirements with respect to financial protection established by the Nuclear Regulatory Commission under section 170 of such Act [42 U.S.C. 2210], or, for the purposes of 42 USC 9604 or any other response action, any release of source byproduct, or special nuclear material from any processing 10/24/2023 PH1 814 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
2 site designated under section 7912(a)(1) or 7942(a) of this title, and (D) the normal application of fertilizer.
1.2 Detailed Scope of Services
The Phase I ESA was conducted in accordance with generally accepted Phase I industry standards using ASTM Standard Practice E 1527-13, 40 Code of Federal Regulations (CFR) Part 312, and the Scope of Work proposed by AEC (Proposal Number P22-007SD) dated January 5, 2022. The following services were provided for this assessment:
x A review of title information pertaining to the Site.
x Review and summary of prior environmental documents pertaining to the Site.
x An evaluation of standard environmental record sources contained within Federal, State and local environmental databases within specific search distances.
x An evaluation of additional environmental record sources obtained from local regulatory departments/agencies.
x A qualitative evaluation of the physical characteristics of the Site through a review of published topographic, geologic, and hydrogeologic maps; published groundwater data; and area observations to characterize surface water flow in the Site area.
x An evaluation of past Site and adjacent/nearby property uses through a review of historical resources.
x A physical inspection of the Site (interior and exterior) conducted to search for conditions indicative of potential environmental concerns including underground storage tanks (USTs), aboveground storage tanks (ASTs), associated tank piping; stained soil or pavement; equipment that may contain or have historically contained polychlorinated biphenyls (PCBs); and other potential environmental concerns as defined in the ASTM E 1527-13 standard.
x A physical assessment of indications of past uses and visual observations of adjacent and surrounding properties (from curbside or public spaces) to assess potential impacts to the Site.
x Interviews completed with the client, a representative of the Site owner and a local regulatory official.
x The preparation of this Phase I ESA report, which includes the findings of the study and our opinion regarding their level of significance. Conclusions have been drawn based on the significance levels of the findings with subsequent recommendations provided.
1.3 Significant Assumptions
This Phase I ESA was conducted in accordance with ASTM guidelines, CFR Part 312, and the Scope of Work proposed by AEC (Proposal Number P22-007D) dated January 5, 2022, for the performance of such assessment. No other warranties either express or implied, are made by 10/24/2023 PH1 815 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
3 AEC. AEC’s evaluations, analyses, and opinions should not be taken as representations regarding subsurface conditions or the actual value of the Site. Subsurface conditions may differ from the conditions implied by the surficial observations, and can only be reliably evaluated through intrusive techniques.
Documentation and data provided by the client, designated representatives, other interested third parties, or from the public domain, and referred to in the preparation of this assessment, are assumed to be complete and correct and have been used and referenced with the understanding that AEC assumes no responsibility or liability for their accuracy. AEC’s conclusions are based upon such information and documentation and on our observations of Site conditions, as they existed on the date of the site inspection. Because Site conditions may change significantly over a short period of time and additional data may become available, data reported and conclusions drawn in this report are limited to current conditions and may not be relied upon on a significantly later date.
1.4 Limitations and Exceptions
Reasonable efforts have been made during this assessment to uncover evidence of USTs, ASTs and ancillary equipment associated with such features. “Reasonable efforts” are limited to information gained from visual observation of unobstructed areas, recorded database information held in public record, and available information gathered from interviews. Such methods may not identify subsurface equipment that may have been hidden from view due to paving, construction or debris pile storage, or incorrect information from sources.
This investigation was not an environmental compliance audit. While some observations and discussion in this report may address conditions and/or operations that may be regulated, the regulatory compliance of those conditions and/or operations is outside the scope of this investigation. Nothing in this report constitutes a legal opinion or legal advice. For information regarding specific individual or organizational liability, AEC recommends consultation with independent legal counsel.
According to 40 CFR Part 312, Standards and Practices for All Appropriate Inquiry: Final Rule, CERCLA liability rests with the owner or operator of a property and not with an environmental professional hired by the prospective landowner and who is not involved with the ownership or operation of the property. This report meets the requirements set forth in 40 CFR Part 312 Standards and Practices for All Appropriate Inquiries; Final Rule. However, in order to qualify for certain landowner liability protections under CERCLA. Bona Fide Prospective Purchasers, Contiguous Property Owners, and/or Innocent Landowners must meet additional requirements of CERCLA (42 U.S.C. 9601 (35)(B)).
This ESA does not address non-scope ASTM considerations including asbestos, lead-based paint, radon gas, mold, lead in drinking water, wetlands, protected environments and habitat, industrial hygiene concerns, indoor air quality (unrelated to releases of hazardous substances and petroleum products) and high voltage power lines.
1.5 Special Terms and Conditions
No special terms and conditions between AEC and the client pertinent to the findings of this ESA or methodology used to complete this assessment are noted. In addition, AEC does not have a financial interest in the Site.
10/24/2023 PH1 816 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
4 1.6 User Reliance
This report was prepared for use solely and exclusively by the client and is not for the use or benefit of, nor may it be relied upon by, any other person or entity for any purpose without the advance written consent of AEC. AEC makes no representation to any third party except that it has used the degree of care and skill ordinarily exercised by a reasonable prudent environmental professional in the same community and in the same time frame given the same or similar facts and circumstances. No other use or disclosure is intended or authorized by AEC. In the preparation of this ESA, AEC has used the degree of care and skill ordinarily exercised by a reasonably prudent environmental professional in the same community and in the same time frame given the same or similar facts and circumstances. No other warranties are made to any third party, either express or implied.
10/24/2023 PH1 817 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
5 2.0 Site Description
2.1 Location and Legal Description
The Site is an approximate 4.39 acre property situated to the southeast of the intersection of Guajome Street and Lado De Loma Drive in the City of Vista, County of San Diego, California.
The Site is further identified by the County of San Diego Assessor’s Parcel Numbers (APNs) 179- 093-18-00, -23-00, -30-00, -32-00, -34-00 (420 Lado De Loma Drive), 179-093-05-00 (446 Lado De Loma), and 179-024-09-00 (212 Guajome Street). A Vicinity Map depicting the general location of the Site is included in Section 12.1.
2.2 Site and Vicinity General Characteristics
The Site and its adjacent/nearby properties are situated within an area of Vista, California comprised of commercial properties to the north and east, and residential properties to the west and south.
2.3 Current Use of the Site
The Site is predominately vacant and undeveloped land with single family residences located on the northern and southern portions of the site.
2.4 Description of Structures, Roads, Other Improvements on the Site The Site is currently improved with two residential buildings and an unimproved road. Potable water and sanitary sewer services in the area are provided to the area by Vista Irrigation District.
Electricity and natural gas in the area are supplied by San Diego Gas and Electric, respectively. A Site Plan is included in Section 12.2. Photographs taken of the Site are included in Section 12.3.
2.5 Current Uses of the Adjoining Properties
The area surrounding the Site consists generally of commercial and residential properties. AEC performed a visual inspection of adjoining properties from adjacent sidewalks and other access points. The following table identifies the adjacent property uses:
Direction Adjoining Property Use
North Guajome Street, then commercial properties.
West Residential properties and Lado De Loma Drive.
South Residential properties.
East Railroad tracks, then commercial properties.
No potential environmental concerns to the Site relative to the adjacent properties were observed. 10/24/2023 PH1 818 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
6 3.0 User Provided Information
3.1 Title Records
AEC reviewed three preliminary title reports for the Site, the Site address of 420 Lado De Loma Drive was prepared by First American Title Company dated December 15, 2021. The report indicated that the portion of the Site is currently vested in Pheasant Hill Vista, LLC, a California limited liability company. The Site address of 446 Lado De Loma Drive was prepared by Fidelity National Title Company dated October 8, 2021. The report indicated that the portion of the Site is currently vested in Cesar and Gladys Salazar, a married couple. The Site address of 212 Guajome Street was prepared by Fidelity National Title Company dated July 28, 2021. The report indicated that the portion of the Site is currently vested in Matthew Byrne, a single man. No environmentally related liens, deed restrictions or activity and use limitations pertaining to the Site were noted in the title report and during research completed with the County of San Diego Tax Assessor. In addition, the client is unaware of such encumbrances recorded against the Site. A copy of the title reports is included is Section 12.4.
3.2 Environmental Liens or Activity and Use Limitations The client is unaware of environmental related liens or activity use limitations (i.e. engineering or institutional controls) that are related to potential recognized environmental conditions at the Site.
3.3 Specialized Knowledge
The client is unaware of specialized knowledge pertinent to potential recognized environmental conditions at the Site.
3.4 Commonly Known or Reasonably Ascertainable Information The client is unaware of commonly known or reasonably ascertainable information pertinent to potential recognized environmental conditions at the Site.
3.5 Valuation Reduction for Environmental Issues
The client is unaware of information pertaining to the relationship of the purchase price to the estimated fair market value of the Site that might indicate that significant contamination exists.
3.6 Owner, Property Manager, and Occupant Information
The Site is currently managed by Tideline Guajome, LLC. The Site address of 420 Lado De Loma Drive is currently owned by Pheasant Hill Vista LLC. The Site address of 446 Lado De Loma Drive is currently owned by Cesar and Gladys Salazar. The Site Address of 212 Guajome Street is currently owned by Matthew Byrne. The Site is currently vacant in the northern building and occupied in the southern building.
10/24/2023 PH1 819 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
7 3.7 Reason for Performing Phase I ESA
AEC has been retained to conduct this Phase I ESA to identify environmental issues which may be present and to comply with 40 CFR Part 312.
3.8 Other
AEC completed a prior Phase I ESA on January 29, 2010. At the time of the previous assessment, the site boundary was limited to the 3 acre portion identified by 420 Lado De Loma Drive. According to the historical resources reviewed during the completion of the assessment, the Site was used for agricultural purposes (groves) from at least 1938 until the late 1950s. as such, historical agricultural use of the Site was considered a suspect environmental concern. It was AEC’s opinion that pesticides were likely applied as part of the farming process, however it was unknown if residual levels of such compounds were present in soil underlying the Site. AEC determined if agricultural chemicals were historically used as part of the operations, residual pesticides, specifically organochlorine pesticides (OCPs) may be present in Site soils and could be of concern to future Site occupants or present an issue with respect to export of soil (if applicable) during proposed construction activities. Thus, this condition represented a potential Recognized Environmental Condition in connection with the Site.
AEC conducted a Phase II ESA of the Site dated November 29, 2010 to evaluate the presence of residual pesticides in Site soils. Five soil samples identified as B1 through B5 were retained for potential laboratory analysis from depths of 0.5, 1.0 and 2.0 feet below ground surface (bgs) in all of the soil borings. Soil samples obtained from 0.5 foot bgs in each of the soil borings were analyzed for OCPs by United States Environmental Protection Agency (EPA) Analytical Method 8081A and for total lead and arsenic by EPA Analytical Method 6010B. With the exception of the OCP 4,4’-DDE detected at a concentration of 11.3 micrograms per kilogram (μg/kg) in the 0.5 foot sample of soil boring B2, no OCPs were detected above the laboratory reporting limits in the samples analyzed. At the time of the Phase II ESA, the reported 4,4’-DDE concentration of 11.3 μg/kg did not exceed applicable regulatory screening levels. In addition, the reported 4,4’-DDE concentration does not exceed the current Department of Toxic Substances Control screening levels (June 2020) in residential soil of 2,000 μg/kg and commercial soil of 9,300 μg/kg, or its total threshold limit concentration (TTLC) of 1,000 μg/kg. Lead was detected in all five soil samples analyzed at concentrations ranging from 2.57 milligrams per kilogram (mg/kg) in sample B4-0.5 to
11.0 mg/kg (B2-0.5). None of the soil samples analyzed exhibited a total lead concentration greater than its TTLC of 1,000 mg/kg, its DTSC residential soil screening level of 80 mg/kg or its DTSC commercial soil screening level of 320 mg/kg. Arsenic was not detected at or above the laboratory reporting limit of 1 mg/kg. Therefore, based on the results of the soil sampling and analysis conducted during this assessment and the lack of agricultural use of the Site since the Phase II investigation, further study regarding potential impacts to the Site from historical agricultural activity is not recommended.
10/24/2023 PH1 820 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
8 4.0 Records Review
4.1 Standard Environmental Record Sources
AEC reviewed Federal, State and local environmental databases provided by Environmental Risk Information Services (ERIS), for information pertaining to documented and/or suspected releases of regulated hazardous substances and/or petroleum products within specified search distances.
A copy of the ERIS Report is included in Section 12.5.
AEC also reviewed unmappable sites listed in the environmental database report by cross- referencing addresses and site names. Unmappable (“orphan”) sites are sites that cannot be plotted with confidence, but can be located by zip code or city name. In general, a site cannot be mapped because of inaccurate or missing location information in the record provided by the regulatory agency. Any unmappable sites that AEC identifies within the specified search radii were evaluated as part of the preparation of this report. None of the orphan listings are considered to be an environmental concern to the Site.
The following Federal databases related to potential on-site and off-site sources of contamination were reviewed and interpreted by AEC:
Federal Databases Search Distance From
Site
National Priorities List (NPL) One mile
National Priority List – Proposed (Proposed NPL) One mile Deleted National Priorities List (Deleted NPL) One-half mile Superfund Enterprise Management System (SEMS) One-half mile SEMS Archive Sites (SEMS Archive) One-half mile
Comprehensive Environmental Response, Compensation, and Liability Information System (CERCLIS) One-half mile
CERCLIS No Further Remedial Action Planned (CERCLIS
NFRAP) One-half mile
CERCLIS Liens (CERCLIS LIENS) Property only
Resource Conservation and Recovery Act (RCRA) CORRACTS
Corrective Action One mile
RCRA non-CORRACTS Treatment, Storage, and Disposal (TSD) Facilities One-half mile
RCRA Large-Quantity Generator (LQG) One-quarter mile
RCRA Small-Quantity Generator (SQG) One-quarter mile
RCRA Conditionally Exempt Small Quantity Generator (CESQG) One-quarter mile RCRA Non-Generators (RCRA NON-GEN) One-quarter mile
Federal Engineering Controls (FED ENG) One-half mile
Federal Institutional Controls (FED INST) One-half mile Emergency Response Notification System (ERNS) Property only Federal Brownfields (FED BROWNFIELDS) One-half mile
Material Licensing Tracking System (MLTS) Property only
The following State/local databases related to potential on-site and off-site sources of contamination were also searched and reviewed:
State/Local Databases Search Distance From
Site
State Response Sites (RESPONSE) One mile
10/24/2023 PH1 821 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
9 State/Local Databases Search Distance From
Site
EnviroStor Database (ENVIROSTOR) One mile
Delisted EnviroStor Database (DELISTED ENVS) One mile
Solid Waste Information System (SWF/LF) One-half mile
EnviroStor Hazardous Waste Facilities (HWP) One mile
Land Disposal Sites (LDS) One-half mile
Leaking Underground Fuel Tank Reports (LUST) One-half mile Delisted Leaking Storage Tanks (DLST) One-half mile
Permitted Underground Storage Tanks (UST) in Geotracker One-eighth mile Proposed Closure of Underground Storage Tank Cases (UST Closure) One-half mile
Historical Hazardous Substance Storage Information Database (HHSS) One-eighth mile
Aboveground Storage Tanks (AST) One-eighth mile
Delisted Storage Tanks (DELISTED TNK) One-eighth mile
California Environmental Reporting System Tanks (CERS TANK) One-quarter mile Site Mitigation and Brownfields Reuse Program Facility Sites with Land Use Restrictions (LUR) One-half mile
Hazardous Waste Management Program Facility Sites with
Deed/Land Use Restrictions (HLUR) One-half mile
Deed Restriction and Land Use Restriction (DEED) One-half mile Voluntary Cleanup Program (VCP) One-half mile
GeoTracker Cleanup Sites Data (CLEANUP SITES) One-half mile Delisted California Environmental Reporting System Tanks (DELISTED CTNK) One-quarter mile
Delisted County Records (DELISTED COUNTY) One-eighth mile San Diego County Local Oversight Program List (LOP
SANDIEGO) One-half mile
San Diego County Underground Storage Tanks List (UST
SANDIEGO) One-quarter mile
San Diego County Site Assessment and Mitigation Investigation Sites (SAM SANDIEGO) One-half mile
Descriptions/sources of each of the above referenced regulatory databases and the dates these databases were last updated by the applicable regulatory agencies are included in the ERIS report.
Subject Site
The Site is not listed in any of the standard databases searched by ERIS.
Adjoining and Nearby Properties
Several properties are mapped within a one-eighth mile radius of the Site on the ERIS database report and are further described below:
10/24/2023 PH1 822 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
10 Listed Property
and Address Database(s)
Mapped
Distance
and
Direction
from Site
Details
Likely
Concern
to Site?
Patrick Fylnns
Frame &
Collision
555 Mercantile
Street
RCRA SQG 0.05-mile
ENE
Referenced as a small quantity
generator of hazardous waste with
no violations or indications of a
reported release.
No
Merle R Williams,
Frontier Concrete,
Inc.
717 Mercantile St
HHSS
HIST TANK
UST SWEEPS
UST SANDIEGO
0.09-mile
ESE
Referenced with one UST that was
removed in 1989. The listing
indicated the presence of one
1,000-gallon gasoline storage
tank. The listing is not identified
with a reported release.
No
Vista Firestone
Brake &
Smog
711 South Santa
Fe Avenue
SAM SANDIEGO
CLEANUP SITES
LUST
DELISTED TANK
LOP SANDIEGO
UST SWEEPS
UST SANDEIGO
0.09-mile
E
Referenced on the DELISTED
TANK, UST SWEEPS, and UST
SANDIEGO with three USTs that
were removed in 1993. The
listings indicated the presence of
two 4,000-gallon gasoline storage
tanks and one 550-gallon waste oil
tank.
Referenced on the LUST, SAM
SANDIEGO, CLEANUP SITES,
and LOP SANDIEGO databases
regarding a 1993 release of
gasoline which impacted both soil
and groundwater beneath the
property. Issued regulatory case
closure on October 19, 2000.
No
Circle Shell Service
648 South Santa
Fe Avenue
LUST
HHSS
HIST TANK
0.09-mile
E
Referenced on the HHSS and
HIST TANK with four USTs that
were removed in 2001. The
listings indicated the presence of
two 10,000-gallon gasoline
storage tanks, one 12,000-gallon
gasoline tank and one 10,000-
gallon diesel tank.
Referenced on the LUST database
regarding a 2001 release of
gasoline which impacted both soil
and groundwater. Issued
regulatory case closure on
January 14, 2014.
No
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11 Listed Property
and Address Database(s)
Mapped
Distance
and
Direction
from Site
Details
Likely
Concern
to Site?
Kleinsmith Auto
Clinic, Vista
Cardlock - Sks Inc.,
Flyers # 4414,
Inland Oil Service
Station
620 South Santa
Fe Avenue
RCRA SQG
LUST
HHSS
HIST TANK
UST SWEEPS
UST
SAM SANDIEGO
UST SANDIEGO
LOP SANDIEGO
0.11-mile
ENE
Referenced as a small quantity
generator of hazardous waste with
no reported violations or
indications of a reported release.
Referenced with multiple releases
of gasoline, diesel, fuel, and waste
oil to the soil and ground water.
Granted with closed regulatory
statuses on September 18, 1991,
July 28, 1993, and July 22, 2010.
Referenced on the HHSS, HIST
TANK, UST, UST SWEEPS, and
UST SANDIEGO databases with
five USTs that were removed in
2001. The listing indicated the
presence of two 4,000-gallon
gasoline storage tanks, two 3,000-
gallon gasoline tank, and one 500-
gallon waste oil tank. There also is
four active USTs that were
installed in 2001. The listing
indicated the presence of three
10,000-diesel storage tanks and
one 4,000-gallon diesel storage
tank.
No
Circle Shell Service
648 South Santa
Fe Avenue
UST SWEEPS
UST
SAM SANDIEGO
UST SANDIEGO
LOP SANDIEGO
0.11-mile
E
Referenced on the UST, UST
SWEEPS, and UST SANDIEGO
with four active USTs. The listing
indicated the presence of three
9,950-gasoline storage tanks and
one 12,000-gallon gasoline
storage tank.
Referenced on the LUST, SAM
SANDIEGO, and LOP SANDIEGO
databases regarding a 2001
potential release of gasoline
Issued regulatory case closure on
January 17, 2001.
No
Southern Auto
Supply
420 South Santa
Fe Avenue
RCRA SQG 0.11-mile
N
Referenced as a small quantity
generator of hazardous waste with
no violations or indications of a
reported release.
No
Knight Iron Works
Inc.
737 Mercantile
Street
RCRA SQG 0.12-mile
ESE
Referenced as a small quantity
generator of hazardous waste with
no violations or indications of a
reported release.
No
10/24/2023 PH1 824 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
12 Additionally there are thirty-one FED Brownfields listed within one-eighth mile for the Site. These listings pertain to prior Phase I ESAs completed at the properties with funding provided the by United States EPA under a brownfields assessment grant. No indications of violations or unauthorized releases were identified.
The above referenced properties are not considered to be significant environmental concerns to the Site. There are also additional (two RCRA TSD, two RCRA LQG, two RCRA SQG, one RCRA VSQG, six FED BROWNFIELDS, five ENVIROSTOR, one SWF/LF, fifteen LUST, two HIST TANK, two DELISTED TNK, sixteen CLEANUP SITES, thirty SAM SANDIEGO, and twenty-one LOP SANDIEGO) listings mapped between one-eighth and one-mile of the Site. The off-Site ASTM database listings greater than one-eighth mile of the Site are also not considered to be significant environmental concerns to the Site. These opinions are based on several factors including the nature of the regulatory database listings, distance of the off-Site listed properties from the Site, orientation of the listed properties relative to the Site, interpreted direction of groundwater flow and/or regulatory case status information for the various properties as described in the databases.
Non-ASTM Regulatory Databases
Below is a list of non-ASTM databases searched by ERIS and reviewed by AEC during the preparation of this assessment. The descriptions of each database and their data release frequency are included in the ERIS report, included in Section 12.5.
Federal
FINDS/FRS – Facility Registry Service/Facility Index
TRIS – Toxic Chemical Release Inventory System
HMIRS – Hazardous Materials Information Reporting System NCDL – National Clandestine Drug Labs
ODI – Open Dump Inventory
IODI – EPA Report on the Status of Open Dumps on Indian Lands TSCA – Toxic Substances Control Act
HIST TSCA – Toxic Substances Control Act
FTTS ADMIN – Federal Insecticide, Fungicide, & Rodenticide (FIFRA) and Toxic Substances Control Act (TSCA), together known as FTTS, Administrative Case Listing FTTS INSP – FTTS Inspection Case Listing
PRP – Potentially Responsible Parties List
SCRD DRYCLEANER – State Coalition for Remediation of Drycleaners Listing ICIS – Integrated Compliance Information System
FED DRYCLEANERS – Drycleaner Facilities
DELISTED FED DRY – Delisted Drycleaner Facilities
FUDS – Formerly Used Defense Sites
MLTS – Material Licensing Tracking System
HIST MLTS – Historic Material Licensing Tracking System Sites MINES – Mines Mater Index File
ALT FUELS – Alternative Fueling Stations
SUPER ROD – Superfund Decision Documents
SSTS – Registered Pesticide Establishments
PCB – Polychlorinated Biphenyl (PCB) Notifiers
State
INSP COMP ENF – EnviroStor Inspection, Compliance, and Enforcement CDL – Clandestine Drug Labs
10/24/2023 PH1 825 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
13 SCH – School Property Evaluation Program Sites
CHMIRS – California Hazardous Material Incident Report System HAZNET – Facility and Manifest Data
SWRCB SWF – Solid Waste Disposal Sites
HWSS CLEANUP – Hazardous Waste and Substances Site List- Site Cleanup DTSC HWF – List of Hazardous Waste Facilities Subject to Corrective Action HIST MANIFEST – Historical Hazardous Waste Manifest Data HIST CHMIRS – Historical California Hazardous Material Incident Report System HIST CORTESE – Historical Cortese List
CDO/CAO – Cease and Desist Orders and Cleanup and Abatement Orders CERS HAZ - California Environmental Reporting System (CERS) Hazardous Waste Sites DRYCLEANERS – Cleaner Facilities
DELISTED DRYC – Delisted Drycleaners
WASTE DISCHG – Waste Discharge Requirements
DELISTED HAZ – Delisted Environmental Reporting System Hazardous Waste Sites DRYC GRANT – Non-Toxic Dry-Cleaning Incentive Program
PFAS – Per- and Polyfluoroalkyl Substances
PFAS GW – PFOA/PFOS Groundwater
County
SWF SANDIEGO – San Diego County -- Solid Waste Facility List HAZ SANDIEGO -- San Diego County - Hazardous Materials Management Division Database
The Site is not listed on any non-ASTM regulatory databases searched by ERIS. Several off-Site properties (one FINDS/FRS, ten CERS HAZ, three DELISTED HAZ, one SCH, three MDRS, three HAZNET, five EMISSIONS, and fifty-eight HAZ SANDIEGO) were listed on the non-ASTM databases searched by ERIS. The off-Site listings are not considered to be of significant environmental concern to the Site. This opinion is also based on several factors including the distance of the off-Site listed properties from the Site, the orientation of the listed properties relative to the Site, interpreted direction of groundwater flow, and/or regulatory case status information for the various properties as described in the database report.
4.2 Additional Environmental Record Sources
City of Vista Fire Department (VDF)
The VFD was contacted regarding hazardous materials/waste or UST records pertaining to the Site, as well as for the Site assessor’s parcel numbers. Such records typically pre-date records maintained by the local and State environmental regulatory agencies. No files pertaining to the Site were available for review at the City of Vista Fire Department.
City of Vista Building Department
The City of Vista Building Department was contacted regarding UST installation or removal records for the Site. No files pertaining to the Site were available for review at the City of Vista Building Department.
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Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
14 California State Water Resources Control Board (GeoTracker) and Department of Toxic Substances Control (Envirostor)
AEC searched for information regarding a possible release at the Site on the Geotracker database maintained by the California State Water Resources Control Board (SWRCB) and the Envirostor database maintained by the Department of Toxic Substances Control (DTSC). No release cases pertaining to the Site were identified in the database search of the Site. Information included in the SWRCB Geotracker database regarding the nearby properties is consistent with the information found in the ERIS database.
4.3 Physical Setting Sources
The following physical setting sources were reviewed to provide information about the topographic, hydrologic, geologic and/or hydrogeologic characteristics of the Site.
4.3.1 Topography and Hydrology
USGS Topographic Quadrangle
The subject Site is located in Township 11 South, Range 3 West, Section 19 as depicted on the USGS topographic map for the San Marcos, California 7.5 minute quadrangle (2015). The Site is shown on the map as sloping steeply to the east-northeast with elevations ranging from 340 to 410 feet above mean sea level. Regional topography is shown as sloping to the north toward Buena Vista Creek. No structures are depicted on the Site. Streets/roadways bordering the Site are shown in their current configuration.
Hydrology/Storm Water Management
Surface drainage at the Site is facilitated by nearby municipal storm drains along public roadways and maintained by the City of Vista. The Site does not appear to receive significant drainage from off-site properties.
4.3.2 Geology
The Site lies within the Peninsular Ranges Geologic Province of California. This geomorphic province is traversed by a group of northwest trending sub-parallel fault zones and encompasses an area that extends 125 miles from the Transverse Ranges and the Los Angeles Basin south to the Mexican Border and beyond another 775 miles to the tip of Baja California. Rocks within the Peninsular Range Province were emplaced during Cretaceous age orogenic events and uplifted into the present mountain ranges during the late Tertiary and Quaternary. Igneous, metamorphic and sedimentary rocks are all found within the Peninsular Ranges. The area is seismically active, with several known active faults crossing the Province (CGS, 2002). According to geologic map sources, the Site appears to be underlain by Mesozoic age tonalite and diorite identified as Bonsall Tonalite (CDMG, 1966). Bonsall Tonalite consists of light to dark gray tonalite with abundant large oriented inclusions locally drawn out into thin streaks and weathers to boulders of disintegration.
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Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
15 4.3.3 Hydrogeology
The Site is situated within the Vista Hydrologic Subarea of the Buena Vista Creek Hydrologic Area of the Carlsbad Hydrologic Unit (RWQCB, 1994). Groundwater in the Vista Hydrologic Subarea is listed with existing municipal, industrial, and agricultural supply beneficial uses. No Site specific groundwater is available. However, according to information obtained from the State Water Resources Control Board (SWRCB) GeoTracker database, groundwater in the vicinity of the Site has historically been present at depths of at least 20 feet below the ground surface and with a measured flow in a northwesterly direction.
4.4 Historical Use Information
Historical sources (as described in the following sections) were reviewed to develop a history of the previous uses of the Site and adjacent/nearby properties to help identify the likelihood of past uses having led to recognized environmental conditions in connection with the Site.
4.4.1 Fire Insurance Maps
Fire Insurance maps are not available for the Site. A copy of the no coverage letter is included in section 12.6.
4.4.2 Historic City Directories
AEC reviewed historic city directories provided by HIG, in order to identify potential historic environmental concerns at the Site. The Site address of 446 Lado De Loma Drive is listed as personal names indicative of its residential use on the obtained directories for the years 1970, 1975, 1980, 1985, 1990, 1995, 2001, 2006, 2011, 2018. The adjacent residential properties are listed as personal names dating back to 1975. A copy of the city directories is included in section
12.7. 4.4.3 Topographic Maps
AEC reviewed topographic maps from 1896, 1901, 1942, 1948, 1968, 2012, 2015 and 2018 provided by online resources. The results of the topographic map review are summarized in the following table:
Topographic Map Review
Year Site North South East West
1896
1901
Undeveloped
land
Undeveloped land Undeveloped land Undeveloped land Undeveloped land
1942
Undeveloped
land
Guajome Street,
then developed
land, structures
depicted
Undeveloped land Train Tracks, then
developed land,
structures depicted
Lado De Loma
Drive, then
developed land,
structures
depicted
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Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
16 Topographic Map Review
Year Site North South East West
1948
1968
Partially
agricultural land
(1948)
Developed land,
current
structures
depicted
Guajome Street,
then developed
land, structures
depicted
Developed land,
structures depicted
Train Tracks, then
developed land,
structures depicted
Lado De Loma
Drive, then
developed land,
structures
depicted
2012
2015
2018
No structures are
depicted
Guajome Street,
then no structures
are depicted
No structures are
depicted
Train Tracks, then
no structures are
depicted
Lado De Loma
Drive, then no
structures are
depicted
4.4.4 Aerial Photographs
AEC reviewed aerial photographs from 1938, 1946, 1953, 1964, 1967, 1978, 1980, 1981, 1982, 1983, 1984, 1985, 1986, 1988, 1989, 1990, 1991, 1993, 1994, 1995, 1996, 1997, 1998, 1999, 2000, 2002, 2003, 2005, 2009, 2010, 2012, 2014, 2016, and 2018 provided by online resources.
The results of the aerial photograph review are summarized in the following table:
Aerial Review
Year Observations
1938
SITE: The Site appears to be developed for agricultural purposes (groves) with a building located on the northwest portion of the Site similar to the current structure.
SURROUNDING AREA: Adjacent properties to the north, south and west (across Lado de Loma) also appear to be developed for agricultural purposes.
Commercial development is visible along Mercantile Street to the east of the railroad tracks. Scattered residential developed is visible to the west of the Site.
The eastern adjacent property appears to be developed with railroad tracks. 1946 and 1953
SITE: The Site appears similar to the previous aerial photograph with the addition of a second building to the southern portion of the Site similar to the current structure.
SURROUNDING AREA: The surrounding adjacent properties appear similar to the 1939 aerial photograph. Increased residential development is visible nearby to the north, south and west. Increased commercial development is visible nearby to the east, along Mercantile Street and South Santa Fe Avenue. . 1964, 1967, 1978,
1980, 1981, 1982,
1983, 1984, 1985,
1986, 1988, 1989,
1990, 1991, 1993,
1994, 1995, 1996,
1997, 1998, 1999,
2000, 2002, 2003,
2005, 2009, 2010,
2012, 2014, 2016
and 2018
SITE: The Site appears similar to its current configuration with two buildings and undeveloped land.
SURROUNDING AREA: Adjacent and nearby properties appear to be similar to the 1953 aerial photograph. Increased development is visible nearby. . 10/24/2023 PH1 829 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
17 4.4.5 State of California Geologic Energy Management Division The California Department of Conservation, Geologic Energy Management Division (CalGEM) Online Mapping System was reviewed for information pertaining to oil and gas exploration on or nearby the subject property. According to online resources provided by CalGEM, no oil, gas or geothermal wells are located on the Site.
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Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
18 5.0 Site Reconnaissance
The objective of the Site reconnaissance was to obtain information indicating the likelihood of recognized environmental conditions in connection with the Site. The reconnaissance was conducted on January 10, 2022 by Mr. Trevor Kelly of AEC’s Western Regional office. Mr. Kelly was unescorted during the Site reconnaissance.
5.1 Methodology and Limiting Conditions
The Site reconnaissance consisted of walking the Site and along public sidewalks (for viewing of adjacent/nearby properties). Full access to the Site was provided. As stated previously, a Site Plan is included in 12.2. Photographs of the Site were taken to document existing Site conditions and are included and described in Section 12.3.
5.2 General Site Setting
The Site and its adjacent/nearby properties are situated within an area of Vista, California comprised of residential and commercial properties. The Site is currently improved with two residential buildings and an unimproved road. No indications of past uses of the Site (as identified in historical records resources) were observed during the Site reconnaissance. The current uses of the Site and adjoining properties are not indicative of the use, treatment, storage, disposal, or generation of hazardous substances or petroleum products (based on visual observations and regulatory database review) that have adversely impacted the Site.
5.3 Site Observations
AEC examined the Site for evidence of the following potential environmental concerns. As shown in the table, no concerns were noted.
Conditions Not Observed
or Noted
Observed
or Noted
Environmental
Concern?
Hazardous Substances/Petroleum Products X No
Waste Generation/Storage/Disposal X
ASTs X
USTs X
PCB Containing Equipment X No
Chemical/Petroleum Odors X
Pools of Liquid X
Floor Drains/Sumps/Wells X
Drums X
Stains or Corrosion X
Unidentified Substance Containers X
Stained Soil or Pavement X
Stressed Vegetation X
Pits, Ponds or Lagoons X
Wastewater Discharges/Disposal Systems X
Septic Systems/Cesspools X
Non-Hazardous Solid Waste Disposal Areas X
Drinking Water Systems/Water Wells X
Other Features X
10/24/2023 PH1 831 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
19 Hazardous Substances/Petroleum Products
AEC observed retail-sized containers of cleaners in the kitchen area of the southern Site building (446 Lado De Loma Drive). These containers were observed to be in good condition with no evidence of leakage or spills. Based on the observed condition, these containers are not considered an environmental concern to the Site.
PCB Containing Equipment
AEC observed one pole-mounted electrical transformer along the western boundary of the Site, adjacent to Lado De Loma. The transformer is owned by San Diego Gas and Electric (SDG&E) and was not labeled with respect to potential PCB content. The transformer appeared to be in good condition with no evidence of damage, leaks, or staining on or around the unit. Based on the utility ownership of the transformer and observed condition of the unit, AEC does not consider the transformer to be a concern to the Site.
10/24/2023 PH1 832 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
20 6.0 Interview Information
6.1. Interview With Owner
According to Lev Gershman, manager with Tideline Guajome, LLC portions of the Site are currently owned by Tideline Guajome, LLC, a California limited liability company with the remainder of the site under escrow for purchase by Tideline Guajome, LLC. Mr. Gershman is unaware of environmental concerns in connection with the Site. A copy of the owner questionnaire is included in Section 12.8.
6.2 Interview With Site Manager
The Site owner is considered to be the Site manager. Please refer to Section 6.1 above.
6.3 Interviews With Occupants
The Site occupants stated that they were unaware of environmental concerns in connection with the Site.
6.4 Interview With Local Government Official
During the preparation of this assessment, AEC consulted with various regulatory agency sources regarding potential environmental concerns at the Site.
6.5 Interview With Others
No interviews with other persons knowledgeable of the historical use of the Site were conducted during the preparation of this ESA.
10/24/2023 PH1 833 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
21 7.0 Additional Services
The following additional services beyond the scope of ASTM Standard Practice E 1527-13 were completed by AEC during the preparation of this assessment:
7.1 Asbestos Containing Materials
AEC performed a limited survey of suspect ACM at the Site. Based on the age of the Site structures and observations made during the limited survey, suspect ACM may be present in select building materials at the Site. However, there were no damaged materials observed that would require sampling and analysis. Any suspect ACM should remain undisturbed until construction, demolition, or renovations warrant surveying and/or building material removal.
7.2 Lead Based Paint
AEC conducted a limited LBP assessment within the Site building. Based on the age of the Site structures and observations made during the limited survey, suspect LBP may be present in select building materials at the Site. However, based on the good condition of the painted surfaces (i.e. not loose and flakey) observed during the Site visit, the collection and analysis of paint chip samples for lead was not deemed warranted. AEC recommends no further action with regard to lead-based paint at the Site.
7.3 Lead in Drinking Water
Drinking water in the area of the Site is provided by the Vista Irrigation District. According to the most recent water quality report (2021), the lead levels are below the allowable limit.
7.4 Radon
The Site is located within US EPA Radon Zone 3 which has a minimal potential for radon accumulation with an indoor average level between 0 and 2 picoCuries per liter (pCi/L). Therefore, radon is not considered to be a significant concern at the Site.
7.5 Mold
No visual or olfactory evidence of mold was noted during the Site inspection. No roof leaks were noted during the inspection, and no roof leaks were reported during on-Site interviews.
7.6 Wetlands
According to the U.S. Fish and Wildlife Service, National Wetlands Inventory website ( http://www.fws.gov/wetlands/Data/mapper.html) wetlands were not identified at the Site. AEC personnel did not observe features (e.g., depressions, drainage ways, etc.) generally used as criteria in determining jurisdictional wetlands or waterways on the Site during reconnaissance.
10/24/2023 PH1 834 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
22 7.7 Vapor Encroachment Screening
In conjunction with this Phase I ESA, AEC has evaluated the potential for vapor intrusion to occur at the Site by way of a Tier 1 vapor encroachment screening (VES) consistent with ASTM International Standard E2600-10 (Standard Guide for Vapor Encroachment Screening on Property Involved in Real Estate Transactions). As stated in the ASTM E 2600-10 standard, a VES screening makes use of information similar to information generally collected as part of an ASTM-compliant Phase I ESA. As such, it is AEC's opinion that the information gathered during this Phase I ESA, including regulatory and historical research, the Site reconnaissance, physical setting characteristics, and interviews is sufficient to conclude that a vapor intrusion concern at the Site can be ruled out because such a condition is not likely to exist at the Site.
No other additional services were completed.
10/24/2023 PH1 835 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
23 8.0 Findings, Opinions, Conclusions and Recommendations
Advantage Environmental Consultants, LLC has performed a Phase I Environmental Site Assessment, in conformance with the scope and limitations of ASTM Practice E 1527-13 and 40 CFR Part 312 of the property identified by the County of San Diego Assessor’s Parcel Numbers (APNs) 179-093-18-00, -23-00, -30-00, -32-00, -34-00 (420 Lado De Loma Drive), 179-093-05-00 (446 Lado De Loma), and 179-024-09-00 (212 Guajome Street) in Vista, California. Any exceptions to, or deletions from, this practice are described in Section 8.0 of this report.
This Phase I ESA has revealed no evidence of recognized environmental conditions in connection with the Site. Additional assessment at the Site is not considered to be warranted at this time. 10/24/2023 PH1 836 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
24 9.0 Deviations and Data Gaps
No data gaps or significant deviations as defined in the ASTM E 1527-13 standard are noted. 10/24/2023 PH1 837 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022
25 10.0 References
AEC, Phase I Environmental Site Assessment, 420 Lado De Loma, Vista, California, dated January 29, 2010.
AEC, Phase II Environmental Site Assessment, 420 Lado De Loma, Vista, California, dated November 29, 2010.
ASTM, "Standard Practice for Environmental Site Assessments: Phase I Environmental Site Assessment Process," ASTM Designation E 1527-13.
“All Appropriate Inquiry” as necessary to satisfy the defenses available under 42 U.S.C. §§ 9607(b)(3), 9607(r)(1), and 9607(q), relying on definitions provided at 42 U.S.C. §§ 9601(35)(B); and as further explained in 40 CFR §§ 312.1 – 312.31.
California Division of Mines and Geology (CDMG), 1966, Geologic Map of the California, Santa Ana Sheet.
California Geological Survey (CGS), 2002, California Geomorphic Provinces Note 36, Electronic Copy, Revised December.
California Regional Water Quality Control Board - San Diego Region 9, 1994, Water Quality Control Plan - San Diego Region: California State Water Resources Control Board Publication.
Environmental Risk Information Service Ltd. (ERIS), January 10, 2022, “Database Report, 420 Lado De Loma Dr, Vista CA 92083”.
State of California Department of Conservation, Geologic Energy Management, CalGEM Online Mapping System: https://www.conservation.ca.gov/calgem/Pages/WellFinder.aspx .
State of California Water Resources Control Board (SWRCB) GeoTracker database:
http://geotracker.swrcb.ca.gov/ .
USGS topographic map, San Marcos, California Quadrangle (2015).
10/24/2023 PH1 838 of 2254
Phase I Environmental Site Assessment AEC Project No. 22-004SD 420 and 446 Lado De Loma Drive and 212 Guajome Street Vista, California January 19, 2022 26 11.0 Signatures and Qualifications of Environmental Professionals I declare that, to the best of my professional knowledge I believe, I meet the definition of Environmental Professional as defined in 40 CFR 312.10. I have the specific qualifications based on education, training and experience to assess a property of the nature, history and setting of the subject Site. I have developed and performed the all appropriate inquiries in conformance with the standards and practices set forth in 40 CFR Part 312. ___________________________
Todd Jacquay
Branch Manager
Western Regional Office
Qualifications for the environmental professional involved in the performance of the Phase I ESA are included in 12.9.
10/24/2023 PH1 839 of 2254
12.0 Appendices
10/24/2023 PH1 840 of 2254
12.1 Vicinity Map
10/24/2023 PH1 841 of 2254
SITE
VICINITY MAP
420 and 446 Lado De Loma Drive and 212
Guajome Street, Vista, California
22-004SD January 2022 TK
Work Order No.:Report Date:Drawn By:
NNNN
145 Vallecitos De Oro, Suite 201
San Marcos, CA 92069
Phone: 760-744-3363 Fax: 760-744-3383
10/24/2023 PH1 842 of 2254
12.2 Site Plan
10/24/2023 PH1 843 of 2254
22-004SD
SITE PLAN
420 and 446 Lado De Loma Drive and 212 Guajome
Street, Vista, California
January 2022 TK
Work Order No.:Report Date:Drawn By:
145 Vallecitos De Oro, Suite 201
San Marcos, CA 92069
Phone: 760-744-3363 Fax: 760-744-3383
NN Approximate Site Boundary
SITESITE
CommercialCommercial
ResidentialResidential
ResidentialResidential
ResidentialResidential
ResidentialResidential
CommercialCommercial
10/24/2023 PH1 844 of 2254
12.3 Site Photographs
10/24/2023 PH1 845 of 2254
420 and 446 Lado De Loma Drive and 212 Guajome Street
Vista , California
1 Phase I Environmental Site Assessment AEC Project No: 21-304SD
1. View southeast across the Site. 2. View northwest across the Site.
3. View east across the Site. 4. View west across the Site.
5. View of the northwestern residential Site building
(212 Guajome Street).
6. View of southern residential Site building (446 Lado De Loma Drive).
10/24/2023 PH1 846 of 2254
420 and 446 Lado De Loma Drive and 212 Guajome Street
Vista , California
2 Phase I Environmental Site Assessment AEC Project No: 21-304SD
7. View west facing 212 Guajome Street. 8. View south facing 212 Guajome Street.
9. View of the southeastern portion of the Site. 10. View of recreational trailer and storage shed located in the southeastern portion of the site.
11. View of the southeastern adjacent property. 12. View east along the southern Site boundary. 10/24/2023 PH1 847 of 2254
420 and 446 Lado De Loma Drive and 212 Guajome Street
Vista , California
3 Phase I Environmental Site Assessment AEC Project No: 21-304SD
13. View east facing 446 Lado De Loma Drive. 14. View north facing 446 Lado De Loma Drive.
15. View of adjacent shed east of 446 Lado De Loma
Drive.
16. View of the retail sized cleaning chemicals within
446 Lado De Loma Drive.
17. View of the southern adjacent residential property. 18. View of the southwestern adjacent residential property.
10/24/2023 PH1 848 of 2254
420 and 446 Lado De Loma Drive and 212 Guajome Street
Vista , California
4 Phase I Environmental Site Assessment AEC Project No: 21-304SD
19. View of the eastern adjacent railroad tracks and
commercial properties.
20. View of the northwestern adjacent commercial
property.
21. View of the northeastern adjacent commercial
property.
22. View of the southeastern adjacent commercial
properties.
23. View of the southern adjacent residential
properties.
24. View of the western adjacent residential property.
10/24/2023 PH1 849 of 2254
12.4 Provided Title Reports
10/24/2023 PH1 850 of 2254
This page is only a part of a 2016 ALTA
®Commitment for Title Insurance issued by Fidelity National Title Insurance Company. This Commitment is not valid without the Notice; the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I— Requirements; and Schedule B, Part II—Exceptions; and a counter-signature by the Company or its issuing agent that may be in electronic form.
27C165B Commitment for Title Insurance (Adopted 6-17-06 Revised 08-01-2016) Page 1 Copyright American Land Title Association. All rights reserved.The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
Fidelity National Title Insurance Company
COMMITMENT FOR TITLE INSURANCE
Issued by
Fidelity National Title Insurance Company
NOTICE
IMPORTANT—READ CAREFULLY:THIS COMMITMENT IS AN OFFER TO ISSUE ONE OR MORE TITLE INSURANCE POLICIES. ALL CLAIMS OR REMEDIES SOUGHT AGAINST THE COMPANY INVOLVING THE CONTENT OF THIS COMMITMENT OR THE POLICY MUST BE BASED SOLELY IN CONTRACT.
THIS COMMITMENT IS NOT AN ABSTRACT OF TITLE, REPORT OF THE CONDITION OF TITLE, LEGAL OPINION, OPINION OF TITLE, OR OTHER REPRESENTATION OF THE STATUS OF TITLE. THE
PROCEDURES USED BY THE COMPANY TO DETERMINE INSURABILITY OF THE TITLE, INCLUDING ANY
SEARCH AND EXAMINATION, ARE PROPRIETARY TO THE COMPANY, WERE PERFORMED SOLELY FOR
THE BENEFIT OF THE COMPANY, AND CREATE NO EXTRACONTRACTUAL LIABILITY TO ANY PERSON, INCLUDING A PROPOSED INSURED.
THE COMPANY’S OBLIGATION UNDER THIS COMMITMENT IS TO ISSUE A POLICY TO A PROPOSED
INSURED IDENTIFIED IN SCHEDULE A IN ACCORDANCE WITH THE TERMS AND PROVISIONS OF THIS COMMITMENT. THE COMPANY HAS NO LIABILITY OR OBLIGATION INVOLVING THE CONTENT OF THIS COMMITMENT TO ANY OTHER PERSON.
COMMITMENT TO ISSUE POLICY
Subject to the Notice; Schedule B, Part I—Requirements; Schedule B, Part II—Exceptions; and the Commitment Conditions,Fidelity National Title Insurance Company, a Florida Corporation (the “Company”), commits to issue the Policy according to the terms and provisions of this Commitment. This Commitment is effective as of the Commitment Date shown in Schedule A for each Policy described in Schedule A, only when the Company has entered in Schedule A both the specified dollar amount as the Proposed Policy Amount and the name of the Proposed Insured.
If all of the Schedule B, Part I—Requirements have not been met within 180 Days after the Commitment Date, this Commitment terminates and the Company’s liability and obligation end.
Countersigned
By:
Authorized Signature
Fidelity National Title Insurance Company
10/24/2023 PH1 851 of 2254
Order No. 30063812-987-987-CS7
This page is only a part of a 2016 ALTA
®Commitment for Title Insurance issued by Fidelity National Title Insurance Company. This Commitment is not valid without the Notice; the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I— Requirements; and Schedule B, Part II—Exceptions; and a counter-signature by the Company or its issuing agent that may be in electronic form.
27C165B Commitment for Title Insurance (Adopted 6-17-06 Revised 08-01-2016) Page 2 Copyright American Land Title Association. All rights reserved.The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
10/24/2023 PH1 852 of 2254
Order No. 30063812-987-987-CS7
This page is only a part of a 2016 ALTA
®Commitment for Title Insurance issued by Fidelity National Title Insurance Company. This Commitment is not valid without the Notice; the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I— Requirements; and Schedule B, Part II—Exceptions; and a counter-signature by the Company or its issuing agent that may be in electronic form.
27C165B Commitment for Title Insurance (Adopted 6-17-06 Revised 08-01-2016) Page 1 Copyright American Land Title Association. All rights reserved.The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
COMMITMENT CONDITIONS
1. DEFINITIONS
(a) “Knowledge” or “Known”: Actual or imputed knowledge, but not constructive notice imparted by the Public Records.
(b) “Land”: The land described in Schedule A and affixed improvements that by law constitute real property. The term “Land” does not include any property beyond the lines of the area described in Schedule A, nor any right, title, interest, estate, or easement in abutting streets, roads, avenues, alleys, lanes, ways, or waterways, but this does not modify or limit the extent that a right of access to and from the Land is to be insured by the Policy. (c) “Mortgage”: A mortgage, deed of trust, or other security instrument, including one evidenced by electronic means authorized by law.
(d) “Policy”: Each contract of title insurance, in a form adopted by the American Land Title Association, issued or to be issued by the Company pursuant to this Commitment. (e) “Proposed Insured”: Each person identified in Schedule A as the Proposed Insured of each Policy to be issued pursuant to this Commitment.
(f) “Proposed Policy Amount”: Each dollar amount specified in Schedule A as the Proposed Policy Amount of each Policy to be issued pursuant to this Commitment. (g) “Public Records”: Records established under state statutes at the Commitment Date for the purpose of imparting constructive notice of matters relating to real property to purchasers for value and without Knowledge.
(h) “Title”: The estate or interest described in Schedule A.
2.If all of the Schedule B, Part I—Requirements have not been met within the time period specified in the Commitment to Issue Policy, this Commitment terminates and the Company’s liability and obligation end.
3.The Company’s liability and obligation is limited by and this Commitment is not valid without:
(a) the Notice;
(b) the Commitment to Issue Policy;
(c) the Commitment Conditions;
(d) Schedule A;
(e) Schedule B, Part I—Requirements;
(f) Schedule B, Part II—Exceptions; and
(g) a counter-signature by the Company or its issuing agent that may be in electronic form.
4. COMPANY’S RIGHT TO AMEND
The Company may amend this Commitment at any time. If the Company amends this Commitment to add a defect, lien, encumbrance, adverse claim, or other matter recorded in the Public Records prior to the Commitment Date, any liability of the Company is limited by Commitment Condition 5. The Company shall not be liable for any other amendment to this Commitment.
5. LIMITATIONS OF LIABILITY
(a) The Company’s liability under Commitment Condition 4 is limited to the Proposed Insured’s actual expense incurred in the interval between the Company’s delivery to the Proposed Insured of the Commitment and the delivery of the amended Commitment, resulting from the Proposed Insured’s good faith reliance to:
(i) comply with the Schedule B, Part I—Requirements;
(ii) eliminate, with the Company’s written consent, any Schedule B, Part II—Exceptions; or (iii) acquire the Title or create the Mortgage covered by this Commitment. 10/24/2023 PH1 853 of 2254
Order No. 30063812-987-987-CS7
This page is only a part of a 2016 ALTA
®Commitment for Title Insurance issued by Fidelity National Title Insurance Company. This Commitment is not valid without the Notice; the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I— Requirements; and Schedule B, Part II—Exceptions; and a counter-signature by the Company or its issuing agent that may be in electronic form.
27C165B Commitment for Title Insurance (Adopted 6-17-06 Revised 08-01-2016) Page 2 Copyright American Land Title Association. All rights reserved.The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
(b) The Company shall not be liable under Commitment Condition 5(a) if the Proposed Insured requested the amendment or had Knowledge of the matter and did not notify the Company about it in writing.
(c) The Company will only have liability under Commitment Condition 4 if the Proposed Insured would not have incurred the expense had the Commitment included the added matter when the Commitment was first delivered to the Proposed Insured. (d) The Company’s liability shall not exceed the lesser of the Proposed Insured’s actual expense incurred in good faith and described in Commitment Conditions 5(a)(i) through 5(a)(iii) or the Proposed Policy Amount.
(e) The Company shall not be liable for the content of the Transaction Identification Data, if any. (f) In no event shall the Company be obligated to issue the Policy referred to in this Commitment unless all of the Schedule B, Part I—Requirements have been met to the satisfaction of the Company.
(g) In any event, the Company’s liability is limited by the terms and provisions of the Policy.
6. LIABILITY OF THE COMPANY MUST BE BASED ON THIS COMMITMENT (a) Only a Proposed Insured identified in Schedule A, and no other person, may make a claim under this Commitment.
(b) Any claim must be based in contract and must be restricted solely to the terms and provisions of this Commitment.
(c) Until the Policy is issued, this Commitment, as last revised, is the exclusive and entire agreement between the parties with respect to the subject matter of this Commitment and supersedes all prior commitment negotiations, representations, and proposals of any kind, whether written or oral, express or implied, relating to the subject matter of this Commitment. (d) The deletion or modification of any Schedule B, Part II—Exception does not constitute an agreement or obligation to provide coverage beyond the terms and provisions of this Commitment or the Policy.
(e) Any amendment or endorsement to this Commitment must be in writing and authenticated by a person authorized by the Company.
(f) When the Policy is issued, all liability and obligation under this Commitment will end and the Company’s only liability will be under the Policy.
7. IF THIS COMMITMENT HAS BEEN ISSUED BY AN ISSUING AGENT The issuing agent is the Company’s agent only for the limited purpose of issuing title insurance commitments and policies. The issuing agent is not the Company’s agent for the purpose of providing closing or settlement services.
8. PRO-FORMA POLICY
The Company may provide, at the request of a Proposed Insured, a pro-forma policy illustrating the coverage that the Company may provide. A pro-forma policy neither reflects the status of Title at the time that the pro-forma policy is delivered to a Proposed Insured, nor is it a commitment to insure.
9. ARBITRATION
The Policy contains an arbitration clause. All arbitrable matters when the Proposed Policy Amount is $2,000,000 or less shall be arbitrated at the option of either the Company or the Proposed Insured as the exclusive remedy of the parties. A Proposed Insured may review a copy of the arbitration rules at http://www.alta.org/arbitration >.
10/24/2023 PH1 854 of 2254
Order No. 30063812-987-987-CS7
This page is only a part of a 2016 ALTA
®Commitment for Title Insurance issued by Fidelity National Title Insurance Company. This Commitment is not valid without the Notice; the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I— Requirements; and Schedule B, Part II—Exceptions; and a counter-signature by the Company or its issuing agent that may be in electronic form.
27C165 Commitment for Title Insurance (Adopted 6-17-06 Revised 08-01-2016) Page 1 Copyright American Land Title Association. All rights reserved.The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
Transaction Identification Data for reference only:
Issuing Agent: Fidelity National Title Company
Issuing Office: 555 S. Flower Street, Suite 4420, Los Angeles, CA 90071 ALTA®Universal ID:
Loan ID Number:
Commitment Number:
Issuing Office File Number: 30063812-987-987-CS7
Property Address: 212 Guajome Street, Vista, CA 92083
Revision Number: Amendment No. A, Amendment Date: August 4, 2021
SCHEDULE A
AMERICAN LAND TITLE ASSOCIATION COMMITMENT
1. Commitment Date: July 28, 2021 at 7:30 a.m.
2. Policy to be issued:
(a)None
Proposed Insured:Lev Gershman and Elizabeth Shane Gramer, Trustee of the Gershman- Gramer Family 2019 Trust, dated August 29, 2019
Proposed Policy Amount:$0.00
(b)None
Proposed Insured:V.I.P. Independent Mortgage, Inc. its successors and/or assigns as their interests may appear
Proposed Policy Amount:$380,000.00
(c)None
Proposed Insured:
Proposed Policy Amount:$0.00
3. The estate or interest in the Land described or referred to in this Commitment is:
AFEE
4. Title to the Fee estate or interest in the Land is at the Commitment Date vested in:
Matthew A. Byrne, a single man
5. The Land is described as follows:
See Exhibit A attached hereto and made a part hereof.
Countersigned by:
Authorized Signature
10/24/2023 PH1 855 of 2254
Order No. 30063812-987-987-CS7
This page is only a part of a 2016 ALTA
®Commitment for Title Insurance issued by Fidelity National Title Insurance Company. This Commitment is not valid without the Notice; the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I— Requirements; and Schedule B, Part II—Exceptions; and a counter-signature by the Company or its issuing agent that may be in electronic form.
27C165 Commitment for Title Insurance (Adopted 6-17-06 Revised 08-01-2016) Page 2 Copyright American Land Title Association. All rights reserved.The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
EXHIBIT A
LEGAL DESCRIPTION
THE LAND REFERRED TO HEREIN BELOW IS SITUATED VISTA, IN THE COUNTY OF SAN DIEGO, STATE OF CALIFORNIA, AND IS DESCRIBED AS FOLLOWS:
PARCEL 1:
LOT 10 OF GUAJOME ADDITION TO RANCHO VISTA, IN THE CITY OF VISTA, COUNTY OF SAN DIEGO, STATE OF CALIFORNIA, ACCORDING TO MAP THEREOF NO. 2181, FILED IN THE OFFICE OF THE COUNTY RECORDER OF SAN DIEGO COUNTY, MARCH 27, 1930.
EXCEPT THE NORTHEAST 20 FEET THEREOF.
PARCEL 2:
AN EASEMENT AND RIGHT OF WAY FOR WATER PIPELINE PURPOSES AND INCIDENTALS THERETO OVER, UNDER, ALONG AND ACROSS THE SOUTHEASTERLY 5 FEET OF LOTS 8 AND 9 OF GUAJOME
ADDITION TO RANCHO VISTA, IN THE CITY OF VISTA, COUNTY OF SAN DIEGO, STATE OF CALIFORNIA, ACCORDING TO MAP THEREOF NO, 2181, FILED IN THE OFFICE OF THE COUNTY RECORDER OF SAN DIEGO COUNTY, MARCH 27, 1930.
APN: 179-024-09-00
10/24/2023 PH1 856 of 2254
Order No. 30063812-987-987-CS7
This page is only a part of a 2016 ALTA
®Commitment for Title Insurance issued by Fidelity National Title Insurance Company. This Commitment is not valid without the Notice; the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I— Requirements; and Schedule B, Part II—Exceptions; and a counter-signature by the Company or its issuing agent that may be in electronic form.
27C165 Commitment for Title Insurance (Adopted 6-17-06 Revised 08-01-2016) Page 3 Copyright American Land Title Association. All rights reserved.The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
SCHEDULE B
PART I – REQUIREMENTS
All of the following Requirements must be met:
1. The Proposed Insured must notify the Company in writing of the name of any party not referred to in this Commitment who will obtain an interest in the Land or who will make a loan on the Land. The Company may then make additional Requirements or Exceptions.
2. Pay the agreed amount for the estate or interest to be insured.
3. Pay the premiums, fees, and charges for the Policy to the Company.
4. Documents satisfactory to the Company that convey the Title or create the Mortgage to be insured, or both, must be properly authorized, executed, delivered, and recorded in the Public Records.
5. For each policy to be issued as identified in Schedule A, Item 2; the Company shall not be liable under this commitment until it receives a designation for a Proposed Insured, acceptable to the Company. As provided in Commitment Condition 4, the Company may amend this commitment to add, among other things, additional exceptions or requirements after the designation of the Proposed Insured.
6. Release(s) or Reconveyance(s) of Item No(s). 9
7. Due to the special requirements of SB 50 (California Public Resources Code Section 8560 et seq.), any transaction that includes the conveyance of title by an agency of the United States must be approved in advance by the Company’s State Counsel, Regional Counsel, or one of their designees.
8. In order to complete this report, the Company requires a Statement of Information to be completed by the following party(s),
Party(s): All Parties
The Company reserves the right to add additional items or make further requirements after review of the requested Statement of Information.
NOTE: The Statement of Information is necessary to complete the search and examination of title under this order. Any title search includes matters that are indexed by name only, and having a completed Statement of Information assists the Company in the elimination of certain matters which appear to involve the parties but in fact affect another party with the same or similar name.
Be assured that the Statement of Information is essential and will be kept strictly confidential to this file.
END OF SCHEDULE B, PART I–REQUIREMENTS
10/24/2023 PH1 857 of 2254
Order No. 30063812-987-987-CS7
This page is only a part of a 2016 ALTA
®Commitment for Title Insurance issued by Fidelity National Title Insurance Company. This Commitment is not valid without the Notice; the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I— Requirements; and Schedule B, Part II—Exceptions; and a counter-signature by the Company or its issuing agent that may be in electronic form.
27C165 Commitment for Title Insurance (Adopted 6-17-06 Revised 08-01-2016) Page 4 Copyright American Land Title Association. All rights reserved.The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
SCHEDULE B
PART II – EXCEPTIONS
THIS COMMITMENT DOES NOT REPUBLISH ANY COVENANT, CONDITION, RESTRICTION, OR
LIMITATION CONTAINED IN ANY DOCUMENT REFERRED TO IN THIS COMMITMENT TO THE EXTENT
THAT THE SPECIFIC COVENANT, CONDITION, RESTRICTION, OR LIMITATION VIOLATES STATE OR
FEDERAL LAW BASED ON RACE, COLOR, RELIGION, SEX, SEXUAL ORIENTATION, GENDER IDENTITY, HANDICAP, FAMILIAL STATUS, OR NATIONAL ORIGIN.
The Policy will not insure against loss or damage resulting from the terms and provisions of any lease or easement identified in Schedule A, and will include the following Exceptions unless cleared to the satisfaction of the Company:
I. Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the public records. Proceedings by a public agency which may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the public records.
II. Any facts, rights, interests or claims which are not shown by the public records but which could be ascertained by an inspection of the land or which may be asserted by persons in possession thereof.
III. Easements, liens or encumbrances, or claims thereof, which are not shown by the public records.
IV. Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other facts which a correct survey would disclose, and which are not shown by the public records.
V. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b) or (c) are shown by the public records.
VI. Any lien or right to a lien for services, labor or material not shown by the public records.
VII. Defects, liens, encumbrances, adverse claims or other matters, if any, created, first appearing in the Public Records or attaching to the subsequent effective date hereof but prior to the date the proposed Insured acquires of records for value the estate or interest or mortgage thereon covered by this Commitment.
1. Property taxes, which are a lien not yet due and payable, including any assessments collected with taxes to be levied for the fiscal year 2021-2022.
2. Intentionally deleted (Taxes paid)
3. Any liens or other assessments, bonds, or special district liens including without limitation, Community Facility Districts, that arise by reason of any local, City, Municipal or County Project or Special District. 10/24/2023 PH1 858 of 2254
Order No. 30063812-987-987-CS7
SCHEDULE B
PART II – EXCEPTIONS
(Continued)
This page is only a part of a 2016 ALTA
®Commitment for Title Insurance issued by Fidelity National Title Insurance Company. This Commitment is not valid without the Notice; the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I— Requirements; and Schedule B, Part II—Exceptions; and a counter-signature by the Company or its issuing agent that may be in electronic form.
27C165 Commitment for Title Insurance (Adopted 6-17-06 Revised 08-01-2016) Page 5 Copyright American Land Title Association. All rights reserved.The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
4. The lien of supplemental or escaped assessments of property taxes, if any, made pursuant to the provisions of Chapter 3.5 (commencing with Section 75) or Part 2, Chapter 3, Articles 3 and 4, respectively, of the Revenue and Taxation Code of the State of California as a result of the transfer of title to the vestee named in Schedule A or as a result of changes in ownership or new construction occurring prior to Date of Policy.
5. Water rights, claims or title to water, whether or not disclosed by the public records.
6. All easements, offers and dedications as shown on the official map Tract of:2181
7. Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document:
Granted to: City of Vista
Purpose: Public roadway
Recording Date: May 2, 1991
Recording No: 91-0203683, of Official Records
The exact location and extent of said easement is not disclosed of record.
8. Matters contained in that certain document
Entitled: Memorandum of Agreement
Recording Date: December 2, 1991
Recording No: 91-0618886, of Official Records
Reference is hereby made to said document for full particulars.
9. A deed of trust to secure an indebtedness in the amount shown below, Amount: $153,000.00
Dated: January 14, 2003
Trustor/Grantor: Matthew A. Byrne, a single man
Trustee: First American Title Company
Beneficiary: Mortgage Electronic Registration Systems, Inc. (MERS), solely as nominee for Provident Funding Associates, L.P.,
Loan No.: 1513010070
Recording Date: February 11, 2003
Recording No: 2003-0155597, of Official Records
10/24/2023 PH1 859 of 2254
Order No. 30063812-987-987-CS7
SCHEDULE B
PART II – EXCEPTIONS
(Continued)
This page is only a part of a 2016 ALTA
®Commitment for Title Insurance issued by Fidelity National Title Insurance Company. This Commitment is not valid without the Notice; the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I— Requirements; and Schedule B, Part II—Exceptions; and a counter-signature by the Company or its issuing agent that may be in electronic form.
27C165 Commitment for Title Insurance (Adopted 6-17-06 Revised 08-01-2016) Page 6 Copyright American Land Title Association. All rights reserved.The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
10. Easement(s) for the purpose(s) shown below and rights incidental thereto as set forth in a document:
Purpose: Private Road and Public Utility
Recording Date: September 10, 2003
Recording No: 2003-1105212, of Official Records
Affects: said land more particularly described therein
11. Matters contained in that certain document
Entitled: Resolution No. 2018-83
Recording Date: May 24, 2018
Recording No: 2018-0209990, of Official Records
Reference is hereby made to said document for full particulars.
END OF SCHEDULE B, PART II – EXCEPTIONS
10/24/2023 PH1 860 of 2254
Order No. 30063812-987-987-CS7
This page is only a part of a 2016 ALTA
®Commitment for Title Insurance issued by Fidelity National Title Insurance Company. This Commitment is not valid without the Notice; the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I— Requirements; and Schedule B, Part II—Exceptions; and a counter-signature by the Company or its issuing agent that may be in electronic form.
27C165 Commitment for Title Insurance (Adopted 6-17-06 Revised 08-01-2016) Page 1 Copyright American Land Title Association. All rights reserved.The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
INFORMATIONAL NOTES
=clause=
1. None of the items shown in this report will cause the Company to decline to attach CLTA Endorsement Form 100 to an Extended Coverage Loan Policy, when issued.
2. The Company is not aware of any matters which would cause it to decline to attach CLTA Endorsement Form 116 indicating that there is located on said Land Single Family Residential properties, known as 212 Guajome Street, located within the city of Vista, California, 92083, to an Extended Coverage Loan Policy.
3. Note: Please contact your Title Officer to obtain the current recording fees. Fidelity National Title Company will pay Fidelity National Title Insurance Company 12% of the title premium, as disclosed on lines 1107 and 1108 of the HUD-1.
4. Note: The policy of title insurance will include an arbitration provision. The Company or the insured may demand arbitration. Arbitrable matters may include, but are not limited to, any controversy or claim between the Company and the insured arising out of or relating to this policy, any service of the Company in connection with its issuance or the breach of a policy provision or other obligation. Please ask your escrow or title officer for a sample copy of the policy to be issued if you wish to review the arbitration provisions and any other provisions pertaining to your Title Insurance coverage.
5. Notice: Please be aware that due to the conflict between federal and state laws concerning the cultivation, distribution, manufacture or sale of marijuana, the Company is not able to close or insure any transaction involving Land that is associated with these activities.
6. Pursuant to Government Code Section 27388.1, as amended and effective as of 1-1-2018, a Documentary Transfer Tax (DTT) Affidavit may be required to be completed and submitted with each document when DTT is being paid or when an exemption is being claimed from paying the tax. If a governmental agency is a party to the document, the form will not be required. DTT Affidavits may be available at a Tax Assessor-County Clerk-Recorder.
7. Note: Property taxes, including any personal property taxes and any assessments collected with taxes, are paid. For proration purposes the amounts were:
Tax Identification No.: 179-024-09-00
Fiscal Year: 2020-2021
1st Installment: $758.80
2nd Installment: $758.80
Exemption: $7,000.00
Code Area: 12236
8. Note: There are NO conveyances affecting said Land recorded within 24 months of the date of this report.
10/24/2023 PH1 861 of 2254
Order No. 30063812-987-987-CS7
INFORMATIONAL NOTES
(Continued)
This page is only a part of a 2016 ALTA
®Commitment for Title Insurance issued by Fidelity National Title Insurance Company. This Commitment is not valid without the Notice; the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I— Requirements; and Schedule B, Part II—Exceptions; and a counter-signature by the Company or its issuing agent that may be in electronic form.
27C165 Commitment for Title Insurance (Adopted 6-17-06 Revised 08-01-2016) Page 2 Copyright American Land Title Association. All rights reserved.The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.
END OF INFORMATIONAL NOTES
10/24/2023 PH1 862 of 2254
Wire Fraud Alert Page 1
Original Effective Date: 5/11/2017
Current Version Date: 5/11/2017 WIRE0016 (DSI Rev. 12/07/17) TM and © Fidelity National Financial, Inc. and/or an affiliate. All rights reserved Wire Fraud Alert
This Notice is not intended to provide legal or professional advice. If you have any questions, please consult with a lawyer.
All parties to a real estate transaction are targets for wire fraud and many have lost hundreds of thousands of dollars because they simply relied on the wire instructions received via email, without further verification.If funds are to be wired in conjunction with this real estate transaction, we strongly recommend verbal verification of wire instructions through a known, trusted phone number prior to sending funds.
In addition, the following non‐exclusive self‐protection strategies are recommended to minimize exposure to possible wire fraud.
•NEVER RELY on emails purporting to change wire instructions. Parties to a transaction rarely change wire instructions in the course of a transaction.
•ALWAYS VERIFY wire instructions, specifically the ABA routing number and account number, by calling the party who sent the instructions to you. DO NOT use the phone number provided in the email containing the instructions, use phone numbers you have called before or can otherwise verify.Obtain the phone number of relevant parties to the transaction as soon as an escrow account is opened. DO NOT send an email to verify as the email address may be incorrect or the email may be intercepted by the fraudster. •USE COMPLEX EMAIL PASSWORDS that employ a combination of mixed case, numbers, and symbols. Make your passwords greater than eight (8) characters. Also, change your password often and do NOT reuse the same password for other online accounts.
•USE MULTI-FACTOR AUTHENTICATION for email accounts. Your email provider or IT staff may have specific instructions on how to implement this feature.
For more information on wire‐fraud scams or to report an incident, please refer to the following links:
Federal Bureau of Investigation:Internet Crime Complaint Center:
http://www.fbi.gov http://www.ic3.gov
10/24/2023 PH1 863 of 2254
Fidelity National Title Company
555 S. Flower Street, Suite 4420, Los Angeles, CA 90071 Phone: (213) 452-7100Fax:
Notice of Available Discounts (Rev. 01-15-20)Last Saved: August 4, 2021 by JS9 MISC0164 (DSI Rev. 03/12/20)Escrow No.: 30063812-987-987-CS7 Notice of Available Discounts
Pursuant to Section 2355.3 in Title 10 of the California Code of Regulations Fidelity National Financial, Inc. and its subsidiaries ("FNF") must deliver a notice of each discount available under our current rate filing along with the delivery of escrow instructions, a preliminary report or commitment. Please be aware that the provision of this notice does not constitute a waiver of the consumer's right to be charged the filed rate. As such, your transaction may not qualify for the below discounts.
You are encouraged to discuss the applicability of one or more of the below discounts with a Company representative. These discounts are generally described below; consult the rate manual for a full description of the terms, conditions and requirements for such discount. These discounts only apply to transactions involving services rendered by the FNF Family of Companies. This notice only applies to transactions involving property improved with a one-to-four family residential dwelling.
Not all discounts are offered by every FNF Company. The discount will only be applicable to the FNF Company as indicated by the named discount.
FNF Underwritten Title Company Underwritten by FNF Underwriters CTC – Chicago Title company CTIC – Chicago Title Insurance Company CLTC – Commonwealth Land Title Company CLTIC - Commonwealth Land Title Insurance Company FNTC – Fidelity National Title Company of California FNTIC – Fidelity National Title Insurance Company FNTCCA - Fidelity National Title Company of California FNTIC - Fidelity National Title Insurance Company TICOR – Ticor Title Company of California CTIC – Chicago Title Insurance Company LTC – Lawyer’s Title Company CLTIC – Commonwealth Land Title Insurance Company SLTC – ServiceLink Title Company CTIC – Chicago Title Insurance Company Available Discounts
DISASTER LOANS (CTIC, CLTIC, FNTIC)
The charge for a Lender's Policy (Standard or Extended coverage) covering the financing or refinancing by an owner of record,within twenty-four (24) months of the date of a declaration of a disaster area by the government of the United States or the State of California on any land located in said area, which was partially or totally destroyedin the disaster,will be fifty percent(50%) of the appropriatetitle insurance rate.
CHURCHES OR CHARITABLE NON-PROFIT ORGANIZATIONS (CTIC, FNTIC) On properties used as a church or for charitable purposes within the scope of the normal activities of such entities, provided said charge is normally the church's obligation the charge for an owner's policy shall be fifty percent (50%) to seventy percent (70%) of the appropriate title insurance rate, depending on the type of coverage selected. The charge for a lender's policy shall be forty (40%) to fifty percent (50%) of the appropriate title insurance rate, depending on the type of coverage selected. 10/24/2023 PH1 864 of 2254
FNF Privacy Statement (Eff. January 1, 2021)Copyright © 2021. Fidelity National Financial, Inc. All Rights Reserved MISC0219 (DSI Rev. 01/29/21)Page 1 Order No. 30063812-987-987-CS7 FIDELITY NATIONAL FINANCIAL, INC.
PRIVACY NOTICE
Effective January 1, 2021
Fidelity National Financial, Inc. and its majority-owned subsidiary companies (collectively, “FNF,” “our,” or “we”) respect and are committed to protecting your privacy. This Privacy Notice explains how we collect, use, and protect personal information, when and to whom we disclose such information, and the choices you have about the use and disclosure of that information.
A limited number of FNF subsidiaries have their own privacy notices. If a subsidiary has its own privacy notice, the privacy notice will be available on the subsidiary’s website and this Privacy Notice does not apply.
Collection of Personal Information
FNF may collect the following categories of Personal Information:
•contact information (e.g., name, address, phone number, email address); •demographic information (e.g., date of birth, gender, marital status); •identity information (e.g.Social Security Number, driver’s license, passport, or other government ID number); •financial account information (e.g.loan or bank account information); and •other personal information necessary to provide products or services to you.
We may collect Personal Information about you from:
•information we receive from you or your agent;
•information about your transactions with FNF, our affiliates, or others; and •information we receive from consumer reporting agencies and/or governmental entities, either directly from these entities or through others.
Collection of Browsing Information
FNF automatically collects the following types of Browsing Information when you access an FNF website, online service, or application (each an “FNF Website”) from your Internet browser, computer, and/or device:
•Internet Protocol (IP) address and operating system;
•browser version, language, and type;
•domain name system requests; and
•browsing history on the FNF Website, such as date and time of your visit to the FNF Website and visits to the pages within the FNF Website.
Like most websites, our servers automatically log each visitor to the FNF Website and may collect the Browsing Information described above. We use Browsing Information for system administration, troubleshooting, fraud investigation, and to improve our websites.
Browsing Information generally does not reveal anything personal about you, though if you have created a user account for an FNF Website and are logged into that account, the FNF Website may be able to link certain browsing activity to your user account.
Other Online Specifics
Cookies.When you visit an FNF Website, a “cookie” may be sent to your computer. A cookie is a small piece of data that is sent to your Internet browser from a web server and stored on your computer’s hard drive. Information gathered using cookies helps us improve your user experience. For example, a cookie can help the website load properly or can customize the display page based on your browser type and user preferences. You can choose whether or not to accept cookies by changing your Internet browser settings. Be aware that doing so may impair or limit some functionality of the FNF Website.
Web Beacons.We use web beacons to determine when and how many times a page has been viewed. This information is used to improve our websites.
Do Not Track.Currently our FNF Websites do not respond to “Do Not Track” features enabled through your browser.
Links to Other Sites. FNF Websites may contain links to unaffiliated third-party websites. FNF is not responsible for the privacy practices or content of those websites. We recommend that you read the privacy policy of every website you visit.
Use of Personal Information
FNF uses Personal Information for three main purposes:
•To provide products and services to you or in connection with a transaction involving you. •To improve our products and services.
•To communicate with you about our, our affiliates’, and others’ products and services, jointly or independently.
When Information Is Disclosed
We may disclose your Personal Information and Browsing Information in the following circumstances:
•to enable us to detect or prevent criminal activity, fraud, material misrepresentation, or nondisclosure; •to nonaffiliated service providers who provide or perform services or functions on our behalf and who agree to use the information only to provide such services or functions;
10/24/2023 PH1 865 of 2254
FNF Privacy Statement (Eff. January 1, 2021)Copyright © 2021. Fidelity National Financial, Inc. All Rights Reserved MISC0219 (DSI Rev. 01/29/21)Page 2 Order No. 30063812-987-987-CS7 •to nonaffiliated third party service providers with whom we perform joint marketing, pursuant to an agreement with them to jointly market financial products or services to you;
•to law enforcement or authorities in connection with an investigation, or in response to a subpoena or court order; or •in the good-faith belief that such disclosure is necessary to comply with legal process or applicable laws, or to protect the rights, property, or safety of FNF, its customers, or the public.
The law does not require your prior authorization and does not allow you to restrict the disclosures described above. Additionally, we may disclose your information to third parties for whom you have given us authorization or consent to make such disclosure. We do not otherwise share your Personal Information or Browsing Information with nonaffiliated third parties, except as required or permitted by law. We may share your Personal Information with affiliates (other companies owned by FNF) to directly market to you. Please see “Choices with Your Information” to learn how to restrict that sharing.
We reserve the right to transfer your Personal Information, Browsing Information, and any other information, in connection with the sale or other disposition of all or part of the FNF business and/or assets, or in the event of bankruptcy, reorganization, insolvency, receivership, or an assignment for the benefit of creditors. By submitting Personal Information and/or Browsing Information to FNF, you expressly agree and consent to the use and/or transfer of the foregoing information in connection with any of the above described proceedings.
Security of Your Information
We maintain physical, electronic, and procedural safeguards to protect your Personal Information.
Choices With Your Information
If you do not want FNF to share your information among our affiliates to directly market to you, you may send an “opt out” request as directed at the end of this Privacy Notice. We do not share your Personal Information with nonaffiliates for their use to direct market to you without your consent.
Whether you submit Personal Information or Browsing Information to FNF is entirely up to you. If you decide not to submit Personal Information or Browsing Information, FNF may not be able to provide certain services or products to you.
For California Residents:We will not share your Personal Information or Browsing Information with nonaffiliated third parties, except as permitted by California law. For additional information about your California privacy rights, please visit the “California Privacy” link on our website ( https://fnf.com/pages/californiaprivacy.aspx)or call (888) 413-1748.
For Nevada Residents:You may be placed on our internal Do Not Call List by calling (888) 934-3354 or by contacting us via the information set forth at the end of this Privacy Notice. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: (702) 486-3132; email: [email protected].
For Oregon Residents: We will not share your Personal Information or Browsing Information with nonaffiliated third parties for marketing purposes, except after you have been informed by us of such sharing and had an opportunity to indicate that you do not want a disclosure made for marketing purposes.
For Vermont Residents:We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
Information From Children
The FNF Websites are not intended or designed to attract persons under the age of eighteen (18).We do not collect Personal Information from any person that we know to be under the age of thirteen (13) without permission from a parent or guardian.
International Users
FNF’s headquarters is located within the United States. If you reside outside the United States and choose to provide Personal Information or Browsing Information to us, please note that we may transfer that information outside of your country of residence. By providing FNF with your Personal Information and/or Browsing Information, you consent to our collection, transfer, and use of such information in accordance with this Privacy Notice.
FNF Website Services for Mortgage Loans
Certain FNF companies provide services to mortgage loan servicers, including hosting websites that collect customer information on behalf of mortgage loan servicers (the “Service Websites”). The Service Websites may contain links to both this Privacy Notice and the mortgage loan servicer or lender’s privacy notice. The sections of this Privacy Notice titled When Information is Disclosed, Choices with Your Information, and Accessing and Correcting Information do not apply to the Service Websites. The mortgage loan servicer or lender’s privacy notice governs use, disclosure, and access to your Personal Information. FNF does not share Personal Information collected through the Service Websites, except as required or authorized by contract with the mortgage loan servicer or lender, or as required by law or in the good-faith belief that such disclosure is necessary: to comply with a legal process or applicable law, to enforce this Privacy Notice, or to protect the rights, property, or safety of FNF or the public. 10/24/2023 PH1 866 of 2254
FNF Privacy Statement (Eff. January 1, 2021)Copyright © 2021. Fidelity National Financial, Inc. All Rights Reserved MISC0219 (DSI Rev. 01/29/21)Page 3 Order No. 30063812-987-987-CS7 Your Consent To This Privacy Notice; Notice Changes; Use of Comments or Feedback By submitting Personal Information and/or Browsing Information to FNF, you consent to the collection and use of the information in accordance with this Privacy Notice. We may change this Privacy Notice at any time. The Privacy Notice’s effective date will show the last date changes were made. If you provide information to us following any change of the Privacy Notice, that signifies your assent to and acceptance of the changes to the Privacy Notice.
Accessing and Correcting Information; Contact Us
If you have questions, would like to correct your Personal Information, or want to opt-out of information sharing for affiliate marketing, visit FNF’s Opt Out Page or contact us by phone at (888) 934-3354 or by mail to:
Fidelity National Financial, Inc.
601 Riverside Avenue
Jacksonville, Florida 32204
Attn: Chief Privacy Officer
10/24/2023 PH1 867 of 2254
Attachment One – CA (Rev. 05-06-16)Page 1
© California Land Title Association. All rights reserved.
The use of this Form is restricted to CLTA subscribers in good standing as of the date of use. All other uses are prohibited. Reprinted under license or express permission from the California Land Title Association.
ATTACHMENT ONE (Revised 05-06-16)
CALIFORNIA LAND TITLE ASSOCIATION
STANDARD COVERAGE POLICY – 1990
EXCLUSIONS FROM COVERAGE
The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs, attorneys' fees or expenses which arise by reason of:
1. (a) Any law, ordinance or governmental regulation (including but not limited to building or zoning laws, ordinances, or regulations) restricting, regulating, prohibiting or relating (i) the occupancy, use, or enjoyment of the land; (ii) the character, dimensions or location of any improvement now or hereafter erected on the land; (iii) a separation in ownership or a change in the dimensions or area of the land or any parcel of which the land is or was a part; or (iv) environmental protection, or the effect of any violation of these laws, ordinances or governmental regulations, except to the extent that a notice of the enforcement thereof or a notice of a defect, lien, or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy. (b) Any governmental police power not excluded by (a) above, except to the extent that a notice of the exercise thereof or notice of a defect, lien or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy.
2. Rights of eminent domain unless notice of the exercise thereof has been recorded in the public records at Date of Policy, but not excluding from coverage any taking which has occurred prior to Date of Policy which would be binding on the rights of a purchaser for value without knowledge.
3. Defects, liens, encumbrances, adverse claims or other matters:
(a) whether or not recorded in the public records at Date of Policy, but created, suffered, assumed or agreed to by the insured claimant; (b) not known to the Company, not recorded in the public records at Date of Policy, but known to the insured claimant and not disclosed in writing to the Company by the insured claimant prior to the date the insured claimant became an insured under this policy; (c) resulting in no loss or damage to the insured claimant; (d) attaching or created subsequent to Date of Policy; or (e) resulting in loss or damage which would not have been sustained if the insured claimant had paid value for the insured mortgage or for the estate or interest insured by this policy.
4. Unenforceability of the lien of the insured mortgage because of the inability or failure of the insured at Date of Policy, or the inability or failure of any subsequent owner of the indebtedness, to comply with the applicable doing business laws of the state in which the land is situated.
5. Invalidity or unenforceability of the lien of the insured mortgage, or claim thereof, which arises out of the transaction evidenced by the insured mortgage and is based upon usury or any consumer credit protection or truth in lending law.
6. Any claim, which arises out of the transaction vesting in the insured the estate of interest insured by this policy or the transaction creating the interest of the insured lender, by reason of the operation of federal bankruptcy, state insolvency or similar creditors' rights laws.
EXCEPTIONS FROM COVERAGE - SCHEDULE B, PART I
This policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses) which arise by reason of:
1. Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the public records.
Proceedings by a public agency which may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the public records.
2. Any facts, rights, interests, or claims which are not shown by the public records but which could be ascertained by an inspection of the land or which may be asserted by persons in possession thereof.
3. Easements, liens or encumbrances, or claims thereof, not shown by the public records.
4. Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other facts which a correct survey would disclose, and which are not shown by the public records.
5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b) or (c) are shown by the public records.
6. Any lien or right to a lien for services, labor or material not shown by the public records.
CLTA HOMEOWNER'S POLICY OF TITLE INSURANCE (12-02-13)
ALTA HOMEOWNER'S POLICY OF TITLE INSURANCE
EXCLUSIONS
In addition to the Exceptions in Schedule B, You are not insured against loss, costs, attorneys' fees, and expenses resulting from:
1. Governmental police power, and the existence or violation of those portions of any law or government regulation concerning:
a. building;
b. zoning;
c. land use;
d. improvements on the Land;
e. land division; and
f. environmental protection.
This Exclusion does not limit the coverage described in Covered Risk 8.a., 14, 15, 16, 18, 19, 20, 23 or 27.
2. The failure of Your existing structures, or any part of them, to be constructed in accordance with applicable building codes. This Exclusion does not limit the coverage described in Covered Risk 14 or 15.
3. The right to take the Land by condemning it. This Exclusion does not limit the coverage described in Covered Risk 17.
4. Risks:
a. that are created, allowed, or agreed to by You, whether or not they are recorded in the Public Records; b. that are Known to You at the Policy Date, but not to Us, unless they are recorded in the Public Records at the Policy Date; 10/24/2023 PH1 868 of 2254
Attachment One – CA (Rev. 05-06-16)Page 2
© California Land Title Association. All rights reserved.
The use of this Form is restricted to CLTA subscribers in good standing as of the date of use. All other uses are prohibited. Reprinted under license or express permission from the California Land Title Association. c. that result in no loss to You; or
d.that first occur after the Policy Date - this does not limit the coverage described in Covered Risk 7, 8.e., 25, 26, 27 or 28.
5. Failure to pay value for Your Title.
6. Lack of a right:
a. to any land outside the area specifically described and referred to in paragraph 3 of Schedule A; and b. in streets, alleys, or waterways that touch the Land.
This Exclusion does not limit the coverage described in Covered Risk 11 or 21.
7. The transfer of the Title to You is invalid as a preferential transfer or as a fraudulent transfer or conveyance under federal bankruptcy, state insolvency, or similar creditors’ rights laws.
8. Contamination, explosion, fire, flooding, vibration, fracturing, earthquake, or subsidence.
9. Negligence by a person or an Entity exercising a right to extract or develop minerals, water, or any other substances.
LIMITATIONS ON COVERED RISKS
Your insurance for the following Covered Risks is limited on the Owner’s Coverage Statement as follows:
•For Covered Risk 16, 18, 19, and 21 Your Deductible Amount and Our Maximum Dollar Limit of Liability shown in Schedule A.
The deductible amounts and maximum dollar limits shown on Schedule A are as follows:
Your Deductible Amount
Our Maximum Dollar
Limit of Liability
Covered Risk 16: 1.00% of Policy Amount Shown in Schedule A or $2,500.00 (whichever is less)
$ 10,000.00
Covered Risk 18: 1.00% of Policy Amount Shown in Schedule A or $5,000.00 (whichever is less)
$ 25,000.00
Covered Risk 19: 1.00% of Policy Amount Shown in Schedule A or $5,000.00 (whichever is less)
$ 25,000.00
Covered Risk 21: 1.00% of Policy Amount Shown in Schedule A or $2,500.00 (whichever is less)
$ 5,000.00
2006 ALTA LOAN POLICY (06-17-06)
EXCLUSIONS FROM COVERAGE
The following matters are expressly excluded from the coverage of this policy, and the Company will not pay loss or damage, costs, attorneys' fees, or expenses that arise by reason of:
1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to
(i) the occupancy, use, or enjoyment of the Land;
(ii) the character, dimensions, or location of any improvement erected on the Land; (iii) the subdivision of land; or
(iv) environmental protection;
or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk 5.
(b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 6.
2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8.
3. Defects, liens, encumbrances, adverse claims, or other matters (a) created, suffered, assumed, or agreed to by the Insured Claimant; (b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c) resulting in no loss or damage to the Insured Claimant; (d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 11, 13 or 14); or
(e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Insured Mortgage.
4. Unenforceability of the lien of the Insured Mortgage because of the inability or failure of an Insured to comply with applicable doing-business lawsof the state where the Land is situated.
5. Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that arises out of the transaction evidenced by the Insured Mortgage and is based upon usury or any consumer credit protection or truth-in-lending law.
6. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors’ rights laws, that the transaction creating the lien of the Insured Mortgage, is
(a) a fraudulent conveyance or fraudulent transfer, or
(b) a preferential transfer for any reason not stated in Covered Risk 13(b) of this policy.
7. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching between Date of Policy and the date of recording of the Insured Mortgage in the Public Records. This Exclusion does not modify or limit the coverage provided under Covered Risk 11(b).
The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage:
EXCEPTIONS FROM COVERAGE
{Except as provided in Schedule B - Part II,{ t{or T}his policy does not insure against loss or damage, and the Company will not pay costs, attorneys’ fees or expenses, that arise by reason of:
10/24/2023 PH1 869 of 2254
Attachment One – CA (Rev. 05-06-16)Page 3
© California Land Title Association. All rights reserved.
The use of this Form is restricted to CLTA subscribers in good standing as of the date of use. All other uses are prohibited. Reprinted under license or express permission from the California Land Title Association. {PART I
{The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage:
1. (a) Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the Public Records; (b) proceedings by a public agency that may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the Public Records.
2. Any facts, rights, interests, or claims that are not shown by the Public Records but that could be ascertained by an inspection of the Land or that may be asserted by persons in possession of the Land.
3. Easements, liens or encumbrances, or claims thereof, not shown by the Public Records.
4. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land and not shown by the Public Records.
5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b), or (c) are shown by the Public Records.
6. Any lien or right to a lien for services, labor or material not shown by the Public Records.}
PART II
In addition to the matters set forth in Part I of this Schedule, the Title is subject to the following matters, and the Company insures against loss or damage sustained in the event that they are not subordinate to the lien of the Insured Mortgage:} 2006 ALTA OWNER’S POLICY (06-17-06)
EXCLUSIONS FROM COVERAGE
The following matters are expressly excluded from the coverage of this policy, and the Company will not pay loss or damage, costs, attorneys' fees, or expenses that arise by reason of:
1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to
(i) the occupancy, use, or enjoyment of the Land;
(ii) the character, dimensions, or location of any improvement erected on the Land; (iii) the subdivision of land; or
(iv) environmental protection;
or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk 5.
(b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 6.
2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8.
3. Defects, liens, encumbrances, adverse claims, or other matters (a) created, suffered, assumed, or agreed to by the Insured Claimant; (b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c) resulting in no loss or damage to the Insured Claimant; (d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 9 and 10); or
(e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Title.
4. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors’ rights laws, that the transaction vesting the Title as shown in Schedule A, is
(a) a fraudulent conveyance or fraudulent transfer; or
(b) a preferential transfer for any reason not stated in Covered Risk 9 of this policy.
5. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching between Date of Policy and the date of recording of the deed or other instrument of transfer in the Public Records that vests Title as shown in Schedule A.
The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage:
EXCEPTIONS FROM COVERAGE
This policy does not insure against loss or damage, and the Company will not pay costs, attorneys’ fees or expenses, that arise by reason of:
{The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage:
1. (a) Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the Public Records; (b) proceedings by a public agency that may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the Public Records.
2. Any facts, rights, interests, or claims that are not shown in the Public Records but that could be ascertained by an inspection of the Land or that may be asserted by persons in possession of the Land.
3. Easements, liens or encumbrances, or claims thereof, not shown by the Public Records.
4. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land and that are not shown by the Public Records.
5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b), or (c) are shown by the Public Records.
6. Any lien or right to a lien for services, labor or material not shown by the Public Records. }
7. {Variable exceptions such as taxes, easements, CC&R’s, etc. shown here.} 10/24/2023 PH1 870 of 2254
Attachment One – CA (Rev. 05-06-16)Page 4
© California Land Title Association. All rights reserved.
The use of this Form is restricted to CLTA subscribers in good standing as of the date of use. All other uses are prohibited. Reprinted under license or express permission from the California Land Title Association.
ALTA EXPANDED COVERAGE RESIDENTIAL LOAN POLICY – ASSESSMENTS PRIORITY (04-02-15)
EXCLUSIONS FROM COVERAGE
The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs, attorneys’ fees or expenses which arise by reason of:
1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to
(i) the occupancy, use, or enjoyment of the Land;
(ii) the character, dimensions, or location of any improvement erected on the Land; (iii) the subdivision of land; or
(iv) environmental protection;
or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk 5, 6, 13(c), 13(d), 14 or 16. (b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 5, 6, 13(c), 13(d), 14 or 16.
2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8.
3. Defects, liens, encumbrances, adverse claims, or other matters (a) created, suffered, assumed, or agreed to by the Insured Claimant; (b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c) resulting in no loss or damage to the Insured Claimant; (d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 11, 16, 17, 18, 19, 20, 21, 22, 23, 24, 27 or 28); or
(e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Insured Mortgage.
4. Unenforceability of the lien of the Insured Mortgage because of the inability or failure of an Insured to comply with applicable doing-business lawsof the state where the Land is situated.
5. Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that arises out of the transaction evidenced by the Insured Mortgage and is based upon usury, or any consumer credit protection or truth-in-lending law. This Exclusion does not modify or limit the coverage provided in Covered Risk 26.
6. Any claim of invalidity, unenforceability or lack of priority of the lien of the Insured Mortgage as to Advances or modifications made after the Insured has Knowledge that the vestee shown in Schedule A is no longer the owner of the estate or interest covered by this policy. This Exclusion does not modify or limit the coverage provided in Covered Risk 11.
7. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching subsequent to Date of Policy. This Exclusion does not modify or limit the coverage provided in Covered Risk 11(b) or 25.
8. The failure of the residential structure, or any portion of it, to have been constructed before, on or after Date of Policy in accordance with applicable building codes. This Exclusion does not modify or limit the coverage provided in Covered Risk 5 or 6.
9. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors’ rights laws, that the transaction creating the lien of the Insured Mortgage, is
(a) a fraudulent conveyance or fraudulent transfer, or
(b) a preferential transfer for any reason not stated in Covered Risk 27(b) of this policy.
10. Contamination, explosion, fire, flooding, vibration, fracturing, earthquake, or subsidence.
11. Negligence by a person or an Entity exercising a right to extract or develop minerals, water, or any other substances. 10/24/2023 PH1 871 of 2254
10/24/2023 PH1 872 of 2254
10/24/2023 PH1 873 of 2254
4210 Riverwalk Parkway, Suite 100
Riverside, CA 92505
Phone: (951) 710-5900
Fax: (951) 710-5955
CLTA Preliminary Report Form – Modified (11/17/06)Page 1 Issuing Policies of Fidelity National Title Insurance Company Title Officer: Lori Duhart (BS/IE)
Escrow Officer: Builder Services OAC
TO:
Tideline Partners
2148 Jimmy Durante Boulevard, Suite B
Del Mar, CA 92014
ATTN: Lev Gershman
YOUR REFERENCE:
Order No.: 989-30074797-LD1
PROPERTY ADDRESS: 446 Lado De Loma Drive, Vista, CA
PRELIMINARY REPORT
In response to the application for a policy of title insurance referenced herein, Fidelity National Title Company hereby reports that it is prepared to issue, or cause to be issued, as of the date hereof, a policy or policies of title insurance describing the land and the estate or interest therein hereinafter set forth, insuring against loss which may be sustained by reason of any defect, lien or encumbrance not shown or referred to as an exception herein or not excluded from coverage pursuant to the printed Schedules, Conditions and Stipulations or Conditions of said policy forms.
The printed Exceptions and Exclusions from the coverage and Limitations on Covered Risks of said policy or policies are set forth in Attachment One. The policy to be issued may contain an arbitration clause. When the Amount of Insurance is less than that set forth in the arbitration clause, all arbitrable matters shall be arbitrated at the option of either the Company or the Insured as the exclusive remedy of the parties. Limitations on Covered Risks applicable to the CLTA and ALTA Homeowner’s Policies of Title Insurance which establish a Deductible Amount and a Maximum Dollar Limit of Liability for certain coverages are also set forth in Attachment One.
Copies of the policy forms should be read. They are available from the office which issued this report.
This report (and any supplements or amendments hereto) is issued solely for the purpose of facilitating the issuance of a policy of title insurance and no liability is assumed hereby. If it is desired that liability be assumed prior to the issuance of a policy of title insurance, a Binder or Commitment should be requested.
The policy(s) of title insurance to be issued hereunder will be policy(s) of Fidelity National Title Insurance Company, a Florida Corporation.
Please read the exceptions shown or referred to herein and the exceptions and exclusions set forth in Attachment One of this report carefully. The exceptions and exclusions are meant to provide you with notice of matters which are not covered under the terms of the title insurance policy and should be carefully considered.
It is important to note that this preliminary report is not a written representation as to the condition of title and may not list all liens, defects and encumbrances affecting title to the land.
Countersigned by:
Authorized Signature
10/24/2023 PH1 874 of 2254
4210 Riverwalk Parkway, Suite 100
Riverside, CA 92505
Phone: (951) 710-5900
Fax: (951) 710-5955
CLTA Preliminary Report Form – Modified (11/17/06)Page 2
PRELIMINARY REPORT
EFFECTIVE DATE:October 8, 2021 at 7:30 a.m.
ORDER NO.: 989-30074797-LD1
The form of policy or policies of title insurance contemplated by this report is:
ALTA Standard Owners Policy (6-17-06)
1. THE ESTATE OR INTEREST IN THE LAND HEREINAFTER DESCRIBED OR REFERRED TO COVERED BY THIS REPORT IS:
Fee Estate
2. TITLE TO SAID ESTATE OR INTEREST AT THE DATE HEREOF IS VESTED IN:
Cesar M. Salazar, a married man as his sole and separate property and Gladys Salazar, a married woman as her sole and separate property, as joint tenants
3. THE LAND REFERRED TO IN THIS REPORT IS DESCRIBED AS FOLLOWS:
See Exhibit A attached hereto and made a part hereof.
10/24/2023 PH1 875 of 2254
PRELIMINARY REPORT Fidelity National Title Company
Your Reference: Order No.: 989-30074797-LD1
CLTA Preliminary Report Form – Modified (11/17/06)Page 3
EXHIBIT A
LEGAL DESCRIPTION
THE LAND REFERRED TO HEREIN BELOW IS SITUATED VISTA IN THE COUNTY OF SAN DIEGO, STATE OF CALIFORNIA, AND IS DESCRIBED AS FOLLOWS:
THOSE PORTIONS OF LOTS 172 AND 173 OF RANCHO VISTA, IN THE CITY OF VISTA, COUNTY OF SAN DIEGO, STATE OF CALIFORNIA, ACCORDING TO MAP THEREOF NO. 1960, FILED IN THE OFFICE OF THE COUNTY RECORDER OF SAID SAN DIEGO COUNTY, NOVEMBER 16, 1926, DESCRIBED AS A WHOLE AS FOLLOWS:
BEGINNING AT THE MOST WESTERLY CORNER OF SAID LOT 172; THENCE NORTH 64° 01' EAST ALONG THE NORTHWESTERLY LINE OF SAID LOT, 343.01 FEET, TO A POINT IN THE SOUTHWESTERLY RIGHT
OF WAY LINE OF THE ATCHISON, TOPEKA AND SANTA FE RAILROAD, ESCONDIDO BRANCH, SAID POINT BEING IN THE ARC OF A CURVE CONCAVE NORTHEASTERLY AND HAVING A RADIUS OF 2505.70 FEET, A RADIAL LINE OF SAID POINT BEARS SOUTH 43° 18' 10" WEST; THENCE SOUTHEASTERLY ALONG SAID SOUTHWESTERLY LINE AND SAID CURVE THROUGH A CENTRAL ANGLE OF 03° 25' 10" AN ARC DISTANCE OF 149.53 FEET TO THE END OF SAID CURVE; THENCE TANGENT TO SAID CURVE, SOUTH 50° 07' EAST, 49.39 FEET TO THE MOST EASTERLY CORNER OF SAID LOT 172; THENCE SOUTH 46° 20' WEST, ALONG THE SOUTHEASTERLY LINE OF SAID LOT 172, 59.00 FEET; THENCE LEAVING SAID LOT LINE NORTH 82° 02' 50" WEST, 216.32 FEET; THENCE SOUTH 63° 05' WEST, 150.00 FEET, TO A POINT IN THE WESTERLY LINE OF SAID LOT 173, SAID POINT BEING IN THE ARC OF A CURVE, CONCAVE WESTERLY AND HAVING A RADIUS OF 120.00 FEET, A RADIAL LINE TO SAID POINT BEARS NORTH 63° 21' EAST; THENCE NORTHWESTERLY ALONG THE ARC OF SAID CURVE AND ALONG THE WESTERLY LINE OF SAID LOTS 173 AND 172, THROUGH A CENTRAL ANGLE OF 43° 57', AN ARC OF
92.05 FEET TO THE POINT OF BEGINNING.
APN: 179-093-05-00
10/24/2023 PH1 876 of 2254
PRELIMINARY REPORT Fidelity National Title Company
Your Reference: Order No.: 989-30074797-LD1
CLTA Preliminary Report Form – Modified (11/17/06)Page 4
EXCEPTIONS
AT THE DATE HEREOF, ITEMS TO BE CONSIDERED AND EXCEPTIONS TO COVERAGE IN ADDITION TO THE PRINTED EXCEPTIONS AND EXCLUSIONS IN SAID POLICY FORM WOULD BE AS FOLLOWS:
1. Property taxes, including any personal property taxes and any assessments collected with taxes, are as follows:
Tax Identification No.: 179-093-05-00
Fiscal Year: 2021-2022
1st Installment: $1,818.19, Unpaid (Delinquent after December 10) Penalty: $181.81
2nd Installment: $1,818.19, Unpaid (Delinquent after April 10) Penalty and Cost: $191.81
Homeowners Exemption: None
Code Area: 12236
2. Said property has been declared tax-defaulted for non-payment of delinquent regular taxes for the fiscal year 2020-2021.
Amount to redeem by October 31, 2021 for the above-stated year (and subsequent years, if any) is $4,233.44.
Amount to redeem by November 30, 2021 for the above-stated year (and subsequent years, if any) is $4,287.62.
Amount to redeem by December 31, 2021 for the above-stated year (and subsequent years, if any) is $4,341.80.
3. Any liens or other assessments, bonds, or special district liens including without limitation, Community Facility Districts, that arise by reason of any local, City, Municipal or County Project or Special District.
4. The lien of supplemental or escaped assessments of property taxes, if any, made pursuant to the provisions of Chapter 3.5 (commencing with Section 75) or Part 2, Chapter 3, Articles 3 and 4, respectively, of the Revenue and Taxation Code of the State of California as a result of the transfer of title to the vestee named in Schedule A or as a result of changes in ownership or new construction occurring prior to Date of Policy.
5. Water rights, claims or title to water, whether or not disclosed by the public records.
6. Easement(s) for the purpose(s) shown below and rights incidental thereto as reserved in a document; Reserved by: Phillips and Hambaugh Realty and Construction Corporation Purpose: pipe line or lines
Recording Date: June 18, 1929
Recording No: in Book 1627 Page 422, of Deeds
Affects: said land more particularly described therein
The exact location and extent of said easement is not disclosed of record. 10/24/2023 PH1 877 of 2254
PRELIMINARY REPORT Fidelity National Title Company
Your Reference: Order No.: 989-30074797-LD1
EXCEPTIONS
(Continued)
CLTA Preliminary Report Form – Modified (11/17/06) Page 5
7. Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document:
Granted to: San Diego Gas & Electric Company
Purpose: public utilities
Recording Date: April 2, 1945
Recording No: in Book 1832 Page 384, of Official Records Affects: said land more particularly described therein
8. A lien for unsecured property taxes filed by the tax collector of the county shown, for the amount set forth, and any other amounts due.
County: San Diego
Fiscal Year: 2018-2019
Taxpayer: Salazar Gladys & Brittney
Bill Number: 000378
Amount: $129.83
Recording Date: October 25, 2018
Recording No:2018-0447161, of Official Records
9. A lien for unsecured property taxes filed by the tax collector of the county shown, for the amount set forth, and any other amounts due.
County:San Diego
Fiscal Year:2018-2019
Taxpayer:Salazar Gladys & Brittney
Bill Number:073028
Amount:$130.33
Recording Date:October 25, 2018
Recording No:2018-0447183, of Official Records
10. An abstract of judgment for the amount shown below and any other amounts due:
Amount:$1,645.59
Debtor:Gladys Salazar
Creditor:Midland Funding LLC c/o Hunt & Henriques
Date entered: February 26, 2019
County:San Diego
Court:Superior Court
Case No.:37-2018-00044078-CL-CL-CTL
Recording Date: April 9, 2019
Recording No: 2019-0125682, of Official Records
11. A lien for unsecured property taxes filed by the tax collector of the county shown, for the amount set forth, and any other amounts due.
County: San Diego
Fiscal Year: 2019-2020
Taxpayer: Salazar Gladys & Brittney
Bill Number: 072516
Amount: $131.95
Recording Date: November 13, 2019
Recording No:2019-0523721, of Official Records
10/24/2023 PH1 878 of 2254
PRELIMINARY REPORT Fidelity National Title Company
Your Reference: Order No.: 989-30074797-LD1
EXCEPTIONS
(Continued)
CLTA Preliminary Report Form – Modified (11/17/06) Page 6
12. A lien for unsecured property taxes filed by the tax collector of the county shown, for the amount set forth, and any other amounts due.
County: San Diego
Fiscal Year: 2020-2021
Taxpayer: Salazar Gladys & Brittney
Bill Number: 069682
Amount: $136.16
Recording Date: November 3, 2020
Recording No:2020-0681328, of Official Records
13. The search did not disclose any open mortgages or deeds of trust of record, therefore the Company reserves the right to require further evidence to confirm that the property is unencumbered, and further reserves the right to make additional requirements or add additional items or exceptions upon receipt of the requested evidence.
PLEASE REFER TO THE “INFORMATIONAL NOTES” AND “REQUIREMENTS” SECTIONS WHICH FOLLOW FOR INFORMATION NECESSARY TO COMPLETE THIS TRANSACTION.
END OF EXCEPTIONS
10/24/2023 PH1 879 of 2254
PRELIMINARY REPORT Fidelity National Title Company
Your Reference: Order No.: 989-30074797-LD1
CLTA Preliminary Report Form – Modified (11/17/06)Page 7
REQUIREMENTS SECTION
1. In order to complete this report, the Company requires a Statement of Information to be completed by the following party(s),
Party(s): All Parties
The Company reserves the right to add additional items or make further requirements after review of the requested Statement of Information.
NOTE: The Statement of Information is necessary to complete the search and examination of title under this order. Any title search includes matters that are indexed by name only, and having a completed Statement of Information assists the Company in the elimination of certain matters which appear to involve the parties but in fact affect another party with the same or similar name.
Be assured that the Statement of Information is essential and will be kept strictly confidential to this file.
END OF REQUIREMENTS
10/24/2023 PH1 880 of 2254
CLTA Preliminary Report Form – Modified (11/17/06)Page 1
INFORMATIONAL NOTES SECTION
1. Note: There are NO conveyances affecting said Land recorded within 24 months of the date of this report.
2. None of the items shown in this report will cause the Company to decline to attach CLTA Endorsement Form 100 to an Extended Coverage Loan Policy, when issued.
3. The Company is not aware of any matters which would cause it to decline to attach CLTA Endorsement Form 116 indicating that there is located on said Land Single Family Residential properties, known as 446 Lado De Loma Drive, located within the city of Vista, California, 92083, to an Extended Coverage Loan Policy.
4. Note: Please contact your Title Officer to obtain the current recording fees. Fidelity National Title Company will pay Fidelity National Title Insurance Company 12% of the title premium, as disclosed on lines 1107 and 1108 of the HUD-1.
5. Note: The policy of title insurance will include an arbitration provision. The Company or the insured may demand arbitration. Arbitrable matters may include, but are not limited to, any controversy or claim between the Company and the insured arising out of or relating to this policy, any service of the Company in connection with its issuance or the breach of a policy provision or other obligation. Please ask your escrow or title officer for a sample copy of the policy to be issued if you wish to review the arbitration provisions and any other provisions pertaining to your Title Insurance coverage.
6. Notice: Please be aware that due to the conflict between federal and state laws concerning the cultivation, distribution, manufacture or sale of marijuana, the Company is not able to close or insure any transaction involving Land that is associated with these activities.
7. Pursuant to Government Code Section 27388.1, as amended and effective as of 1-1-2018, a Documentary Transfer Tax (DTT) Affidavit may be required to be completed and submitted with each document when DTT is being paid or when an exemption is being claimed from paying the tax. If a governmental agency is a party to the document, the form will not be required. DTT Affidavits may be available at a Tax Assessor-County Clerk-Recorder.
8. The Company and its policy issuing agents are required by Federal law to collect additional information about certain transactions in specified geographic areas in accordance with the Bank Secrecy Act. If this transaction is required to be reported under a Geographic Targeting Order issued by FinCEN, the Company or its policy issuing agent must be supplied with a completed ALTA Information Collection Form ("ICF") prior to closing the transaction contemplated herein.
To protect the private information contained in the attached form and photo ID, please return via a secured method.
END OF INFORMATIONAL NOTES
Lori Duhart (BS/IE)/wh0
10/24/2023 PH1 881 of 2254
Wire Fraud Alert Page 1
Original Effective Date: 5/11/2017
Current Version Date: 5/11/2017 WIRE0016 (DSI Rev. 12/07/17) TM and © Fidelity National Financial, Inc. and/or an affiliate. All rights reserved Wire Fraud Alert
This Notice is not intended to provide legal or professional advice. If you have any questions, please consult with a lawyer.
All parties to a real estate transaction are targets for wire fraud and many have lost hundreds of thousands of dollars because they simply relied on the wire instructions received via email, without further verification. If funds are to be wired in conjunction with this real estate transaction, we strongly recommend verbal verification of wire instructions through a known, trusted phone number prior to sending funds.
In addition, the following non‐exclusive self‐protection strategies are recommended to minimize exposure to possible wire fraud.
•NEVER RELY on emails purporting to change wire instructions. Parties to a transaction rarely change wire instructions in the course of a transaction.
•ALWAYS VERIFY wire instructions, specifically the ABA routing number and account number, by calling the party who sent the instructions to you. DO NOT use the phone number provided in the email containing the instructions, use phone numbers you have called before or can otherwise verify. Obtain the phone number of relevant parties to the transaction as soon as an escrow account is opened. DO NOT send an email to verify as the email address may be incorrect or the email may be intercepted by the fraudster. •USE COMPLEX EMAIL PASSWORDS that employ a combination of mixed case, numbers, and symbols. Make your passwords greater than eight (8) characters. Also, change your password often and do NOT reuse the same password for other online accounts.
•USE MULTI-FACTOR AUTHENTICATION for email accounts. Your email provider or IT staff may have specific instructions on how to implement this feature.
For more information on wire‐fraud scams or to report an incident, please refer to the following links:
Federal Bureau of Investigation:Internet Crime Complaint Center:
http://www.fbi.gov http://www.ic3.gov
10/24/2023 PH1 882 of 2254
4210 Riverwalk Parkway, Suite 100
Riverside, CA 92505
Phone: (951) 710-5900
Fax: (951) 710-5955
Notice of Available Discounts (Rev. 01-15-20)Last Saved: October 14, 2021 by WH0 MISC0164 (DSI Rev. 03/12/20)Escrow No.: 30074797-989-989-LD1 Notice of Available Discounts
Pursuant to Section 2355.3 in Title 10 of the California Code of Regulations Fidelity National Financial, Inc. and its subsidiaries ("FNF") must deliver a notice of each discount available under our current rate filing along with the delivery of escrow instructions, a preliminary report or commitment. Please be aware that the provision of this notice does not constitute a waiver of the consumer's right to be charged the filed rate. As such, your transaction may not qualify for the below discounts.
You are encouraged to discuss the applicability of one or more of the below discounts with a Company representative. These discounts are generally described below; consult the rate manual for a full description of the terms, conditions and requirements for such discount. These discounts only apply to transactions involving services rendered by the FNF Family of Companies. This notice only applies to transactions involving property improved with a one-to-four family residential dwelling.
Not all discounts are offered by every FNF Company. The discount will only be applicable to the FNF Company as indicated by the named discount.
FNF Underwritten Title Company Underwritten by FNF Underwriters CTC – Chicago Title company CTIC – Chicago Title Insurance Company CLTC – Commonwealth Land Title Company CLTIC - Commonwealth Land Title Insurance Company FNTC – Fidelity National Title Company of California FNTIC – Fidelity National Title Insurance Company FNTCCA - Fidelity National Title Company of California FNTIC - Fidelity National Title Insurance Company TICOR – Ticor Title Company of California CTIC – Chicago Title Insurance Company LTC – Lawyer’s Title Company CLTIC – Commonwealth Land Title Insurance Company SLTC – ServiceLink Title Company CTIC – Chicago Title Insurance Company Available Discounts
DISASTER LOANS (CTIC, CLTIC, FNTIC)
The charge for a Lender's Policy (Standard or Extended coverage) covering the financing or refinancing by an owner of record, within twenty-four (24) months of the date of a declaration of a disaster area by the government of the United States or the State of California on any land located in said area, which was partially or totally destroyed in the disaster, will be fifty percent (50%) of the appropriate title insurance rate.
CHURCHES OR CHARITABLE NON-PROFIT ORGANIZATIONS (CTIC, FNTIC) On properties used as a church or for charitable purposes within the scope of the normal activities of such entities, provided said charge is normally the church's obligation the charge for an owner's policy shall be fifty percent (50%) to seventy percent (70%) of the appropriate title insurance rate, depending on the type of coverage selected. The charge for a lender's policy shall be forty (40%) to fifty percent (50%) of the appropriate title insurance rate, depending on the type of coverage selected. 10/24/2023 PH1 883 of 2254
FNF Privacy Statement (Eff. August 1, 2021) Copyright © 2021. Fidelity National Financial, Inc. All Rights Reserved MISC0219 (DSI Rev. 07/29/21) Page 1 Order No. 30074797-989-989-LD1 FIDELITY NATIONAL FINANCIAL, INC.
PRIVACY NOTICE
Effective August 1, 2021
Fidelity National Financial, Inc. and its majority-owned subsidiary companies (collectively, “FNF,” “our,” or “we”) respect and are committed to protecting your privacy. This Privacy Notice explains how we collect, use, and protect personal information, when and to whom we disclose such information, and the choices you have about the use and disclosure of that information.
A limited number of FNF subsidiaries have their own privacy notices. If a subsidiary has its own privacy notice, the privacy notice will be available on the subsidiary’s website and this Privacy Notice does not apply.
Collection of Personal Information
FNF may collect the following categories of Personal Information:
•contact information (e.g., name, address, phone number, email address); •demographic information (e.g., date of birth, gender, marital status); •identity information (e.g. Social Security Number, driver’s license, passport, or other government ID number); •financial account information (e.g. loan or bank account information); and •other personal information necessary to provide products or services to you.
We may collect Personal Information about you from:
•information we receive from you or your agent;
•information about your transactions with FNF, our affiliates, or others; and •information we receive from consumer reporting agencies and/or governmental entities, either directly from these entities or through others.
Collection of Browsing Information
FNF automatically collects the following types of Browsing Information when you access an FNF website, online service, or application (each an “FNF Website”) from your Internet browser, computer, and/or device:
•Internet Protocol (IP) address and operating system;
•browser version, language, and type;
•domain name system requests; and
•browsing history on the FNF Website, such as date and time of your visit to the FNF Website and visits to the pages within the FNF Website.
Like most websites, our servers automatically log each visitor to the FNF Website and may collect the Browsing Information described above. We use Browsing Information for system administration, troubleshooting, fraud investigation, and to improve our websites.
Browsing Information generally does not reveal anything personal about you, though if you have created a user account for an FNF Website and are logged into that account, the FNF Website may be able to link certain browsing activity to your user account.
Other Online Specifics
Cookies. When you visit an FNF Website, a “cookie” may be sent to your computer. A cookie is a small piece of data that is sent to your Internet browser from a web server and stored on your computer’s hard drive. Information gathered using cookies helps us improve your user experience. For example, a cookie can help the website load properly or can customize the display page based on your browser type and user preferences. You can choose whether or not to accept cookies by changing your Internet browser settings. Be aware that doing so may impair or limit some functionality of the FNF Website.
Web Beacons. We use web beacons to determine when and how many times a page has been viewed. This information is used to improve our websites.
Do Not Track. Currently our FNF Websites do not respond to “Do Not Track” features enabled through your browser.
Links to Other Sites. FNF Websites may contain links to unaffiliated third-party websites. FNF is not responsible for the privacy practices or content of those websites. We recommend that you read the privacy policy of every website you visit.
Use of Personal Information
FNF uses Personal Information for three main purposes:
•To provide products and services to you or in connection with a transaction involving you. •To improve our products and services.
•To communicate with you about our, our affiliates’, and others’ products and services, jointly or independently.
When Information Is Disclosed
We may disclose your Personal Information and Browsing Information in the following circumstances:
•to enable us to detect or prevent criminal activity, fraud, material misrepresentation, or nondisclosure; •to nonaffiliated service providers who provide or perform services or functions on our behalf and who agree to use the information only to provide such services or functions;
10/24/2023 PH1 884 of 2254
FNF Privacy Statement (Eff. August 1, 2021) Copyright © 2021. Fidelity National Financial, Inc. All Rights Reserved MISC0219 (DSI Rev. 07/29/21) Page 2 Order No. 30074797-989-989-LD1 •to nonaffiliated third party service providers with whom we perform joint marketing, pursuant to an agreement with them to jointly market financial products or services to you;
•to law enforcement or authorities in connection with an investigation, or in response to a subpoena or court order; or •in the good-faith belief that such disclosure is necessary to comply with legal process or applicable laws, or to protect the rights, property, or safety of FNF, its customers, or the public.
The law does not require your prior authorization and does not allow you to restrict the disclosures described above. Additionally, we may disclose your information to third parties for whom you have given us authorization or consent to make such disclosure. We do not otherwise share your Personal Information or Browsing Information with nonaffiliated third parties, except as required or permitted by law. We may share your Personal Information with affiliates (other companies owned by FNF) to directly market to you. Please see “Choices with Your Information” to learn how to restrict that sharing.
We reserve the right to transfer your Personal Information, Browsing Information, and any other information, in connection with the sale or other disposition of all or part of the FNF business and/or assets, or in the event of bankruptcy, reorganization, insolvency, receivership, or an assignment for the benefit of creditors. By submitting Personal Information and/or Browsing Information to FNF, you expressly agree and consent to the use and/or transfer of the foregoing information in connection with any of the above described proceedings.
Security of Your Information
We maintain physical, electronic, and procedural safeguards to protect your Personal Information.
Choices With Your Information
If you do not want FNF to share your information among our affiliates to directly market to you, you may send an “opt out” request as directed at the end of this Privacy Notice. We do not share your Personal Information with nonaffiliates for their use to direct market to you without your consent.
Whether you submit Personal Information or Browsing Information to FNF is entirely up to you. If you decide not to submit Personal Information or Browsing Information, FNF may not be able to provide certain services or products to you.
For California Residents: We will not share your Personal Information or Browsing Information with nonaffiliated third parties, except as permitted by California law. For additional information about your California privacy rights, please visit the “California Privacy” link on our website ( https://fnf.com/pages/californiaprivacy.aspx) or call (888) 413-1748.
For Nevada Residents: You may be placed on our internal Do Not Call List by calling (888) 714-2710 or by contacting us via the information set forth at the end of this Privacy Notice. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: (702) 486-3132; email: [email protected].
For Oregon Residents: We will not share your Personal Information or Browsing Information with nonaffiliated third parties for marketing purposes, except after you have been informed by us of such sharing and had an opportunity to indicate that you do not want a disclosure made for marketing purposes.
For Vermont Residents: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
Information From Children
The FNF Websites are not intended or designed to attract persons under the age of eighteen (18).We do not collect Personal Information from any person that we know to be under the age of thirteen (13) without permission from a parent or guardian.
International Users
FNF’s headquarters is located within the United States. If you reside outside the United States and choose to provide Personal Information or Browsing Information to us, please note that we may transfer that information outside of your country of residence. By providing FNF with your Personal Information and/or Browsing Information, you consent to our collection, transfer, and use of such information in accordance with this Privacy Notice.
FNF Website Services for Mortgage Loans
Certain FNF companies provide services to mortgage loan servicers, including hosting websites that collect customer information on behalf of mortgage loan servicers (the “Service Websites”). The Service Websites may contain links to both this Privacy Notice and the mortgage loan servicer or lender’s privacy notice. The sections of this Privacy Notice titled When Information is Disclosed, Choices with Your Information, and Accessing and Correcting Information do not apply to the Service Websites. The mortgage loan servicer or lender’s privacy notice governs use, disclosure, and access to your Personal Information. FNF does not share Personal Information collected through the Service Websites, except as required or authorized by contract with the mortgage loan servicer or lender, or as required by law or in the good-faith belief that such disclosure is necessary: to comply with a legal process or applicable law, to enforce this Privacy Notice, or to protect the rights, property, or safety of FNF or the public. 10/24/2023 PH1 885 of 2254
FNF Privacy Statement (Eff. August 1, 2021) Copyright © 2021. Fidelity National Financial, Inc. All Rights Reserved MISC0219 (DSI Rev. 07/29/21) Page 3 Order No. 30074797-989-989-LD1 Your Consent To This Privacy Notice; Notice Changes
By submitting Personal Information and/or Browsing Information to FNF, you consent to the collection and use of the information in accordance with this Privacy Notice. We may change this Privacy Notice at any time. The Privacy Notice’s effective date will show the last date changes were made. If you provide information to us following any change of the Privacy Notice, that signifies your assent to and acceptance of the changes to the Privacy Notice.
Accessing and Correcting Information; Contact Us
If you have questions, would like to correct your Personal Information, or want to opt-out of information sharing for affiliate marketing, visit FNF’s Opt Out Page or contact us by phone at (888) 714-2710 or by mail to:
Fidelity National Financial, Inc.
601 Riverside Avenue,
Jacksonville, Florida 32204
Attn: Chief Privacy Officer
10/24/2023 PH1 886 of 2254
Attachment One – CA (Rev. 05-06-16)Page 1
© California Land Title Association. All rights reserved.
The use of this Form is restricted to CLTA subscribers in good standing as of the date of use. All other uses are prohibited. Reprinted under license or express permission from the California Land Title Association.
ATTACHMENT ONE (Revised 05-06-16)
CALIFORNIA LAND TITLE ASSOCIATION
STANDARD COVERAGE POLICY – 1990
EXCLUSIONS FROM COVERAGE
The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs, attorneys' fees or expenses which arise by reason of:
1. (a) Any law, ordinance or governmental regulation (including but not limited to building or zoning laws, ordinances, or regulations) restricting, regulating, prohibiting or relating (i) the occupancy, use, or enjoyment of the land; (ii) the character, dimensions or location of any improvement now or hereafter erected on the land; (iii) a separation in ownership or a change in the dimensions or area of the land or any parcel of which the land is or was a part; or (iv) environmental protection, or the effect of any violation of these laws, ordinances or governmental regulations, except to the extent that a notice of the enforcement thereof or a notice of a defect, lien, or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy. (b) Any governmental police power not excluded by (a) above, except to the extent that a notice of the exercise thereof or notice of a defect, lien or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy.
2. Rights of eminent domain unless notice of the exercise thereof has been recorded in the public records at Date of Policy, but not excluding from coverage any taking which has occurred prior to Date of Policy which would be binding on the rights of a purchaser for value without knowledge.
3. Defects, liens, encumbrances, adverse claims or other matters:
(a) whether or not recorded in the public records at Date of Policy, but created, suffered, assumed or agreed to by the insured claimant; (b) not known to the Company, not recorded in the public records at Date of Policy, but known to the insured claimant and not disclosed in writing to the Company by the insured claimant prior to the date the insured claimant became an insured under this policy; (c) resulting in no loss or damage to the insured claimant; (d) attaching or created subsequent to Date of Policy; or (e) resulting in loss or damage which would not have been sustained if the insured claimant had paid value for the insured mortgage or for the estate or interest insured by this policy.
4. Unenforceability of the lien of the insured mortgage because of the inability or failure of the insured at Date of Policy, or the inability or failure of any subsequent owner of the indebtedness, to comply with the applicable doing business laws of the state in which the land is situated.
5. Invalidity or unenforceability of the lien of the insured mortgage, or claim thereof, which arises out of the transaction evidenced by the insured mortgage and is based upon usury or any consumer credit protection or truth in lending law.
6. Any claim, which arises out of the transaction vesting in the insured the estate of interest insured by this policy or the transaction creating the interest of the insured lender, by reason of the operation of federal bankruptcy, state insolvency or similar creditors' rights laws.
EXCEPTIONS FROM COVERAGE - SCHEDULE B, PART I
This policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses) which arise by reason of:
1. Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the public records.
Proceedings by a public agency which may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the public records.
2. Any facts, rights, interests, or claims which are not shown by the public records but which could be ascertained by an inspection of the land or which may be asserted by persons in possession thereof.
3. Easements, liens or encumbrances, or claims thereof, not shown by the public records.
4. Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other facts which a correct survey would disclose, and which are not shown by the public records.
5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b) or (c) are shown by the public records.
6. Any lien or right to a lien for services, labor or material not shown by the public records.
CLTA HOMEOWNER'S POLICY OF TITLE INSURANCE (12-02-13)
ALTA HOMEOWNER'S POLICY OF TITLE INSURANCE
EXCLUSIONS
In addition to the Exceptions in Schedule B, You are not insured against loss, costs, attorneys' fees, and expenses resulting from:
1. Governmental police power, and the existence or violation of those portions of any law or government regulation concerning:
a. building;
b. zoning;
c. land use;
d. improvements on the Land;
e. land division; and
f. environmental protection.
This Exclusion does not limit the coverage described in Covered Risk 8.a., 14, 15, 16, 18, 19, 20, 23 or 27.
2. The failure of Your existing structures, or any part of them, to be constructed in accordance with applicable building codes. This Exclusion does not limit the coverage described in Covered Risk 14 or 15.
3. The right to take the Land by condemning it. This Exclusion does not limit the coverage described in Covered Risk 17.
4. Risks:
a. that are created, allowed, or agreed to by You, whether or not they are recorded in the Public Records; b. that are Known to You at the Policy Date, but not to Us, unless they are recorded in the Public Records at the Policy Date; 10/24/2023 PH1 887 of 2254
Attachment One – CA (Rev. 05-06-16)Page 2
© California Land Title Association. All rights reserved.
The use of this Form is restricted to CLTA subscribers in good standing as of the date of use. All other uses are prohibited. Reprinted under license or express permission from the California Land Title Association. c. that result in no loss to You; or
d.that first occur after the Policy Date - this does not limit the coverage described in Covered Risk 7, 8.e., 25, 26, 27 or 28.
5. Failure to pay value for Your Title.
6. Lack of a right:
a. to any land outside the area specifically described and referred to in paragraph 3 of Schedule A; and b. in streets, alleys, or waterways that touch the Land.
This Exclusion does not limit the coverage described in Covered Risk 11 or 21.
7. The transfer of the Title to You is invalid as a preferential transfer or as a fraudulent transfer or conveyance under federal bankruptcy, state insolvency, or similar creditors’ rights laws.
8. Contamination, explosion, fire, flooding, vibration, fracturing, earthquake, or subsidence.
9. Negligence by a person or an Entity exercising a right to extract or develop minerals, water, or any other substances.
LIMITATIONS ON COVERED RISKS
Your insurance for the following Covered Risks is limited on the Owner’s Coverage Statement as follows:
•For Covered Risk 16, 18, 19, and 21 Your Deductible Amount and Our Maximum Dollar Limit of Liability shown in Schedule A.
The deductible amounts and maximum dollar limits shown on Schedule A are as follows:
Your Deductible Amount
Our Maximum Dollar
Limit of Liability
Covered Risk 16: 1.00% of Policy Amount Shown in Schedule A or $2,500.00 (whichever is less)
$ 10,000.00
Covered Risk 18: 1.00% of Policy Amount Shown in Schedule A or $5,000.00 (whichever is less)
$ 25,000.00
Covered Risk 19: 1.00% of Policy Amount Shown in Schedule A or $5,000.00 (whichever is less)
$ 25,000.00
Covered Risk 21: 1.00% of Policy Amount Shown in Schedule A or $2,500.00 (whichever is less)
$ 5,000.00
2006 ALTA LOAN POLICY (06-17-06)
EXCLUSIONS FROM COVERAGE
The following matters are expressly excluded from the coverage of this policy, and the Company will not pay loss or damage, costs, attorneys' fees, or expenses that arise by reason of:
1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to
(i) the occupancy, use, or enjoyment of the Land;
(ii) the character, dimensions, or location of any improvement erected on the Land; (iii) the subdivision of land; or
(iv) environmental protection;
or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk 5.
(b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 6.
2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8.
3. Defects, liens, encumbrances, adverse claims, or other matters (a) created, suffered, assumed, or agreed to by the Insured Claimant; (b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c) resulting in no loss or damage to the Insured Claimant; (d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 11, 13 or 14); or
(e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Insured Mortgage.
4. Unenforceability of the lien of the Insured Mortgage because of the inability or failure of an Insured to comply with applicable doing-business laws of the state where the Land is situated.
5. Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that arises out of the transaction evidenced by the Insured Mortgage and is based upon usury or any consumer credit protection or truth-in-lending law.
6. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors’ rights laws, that the transaction creating the lien of the Insured Mortgage, is
(a) a fraudulent conveyance or fraudulent transfer, or
(b) a preferential transfer for any reason not stated in Covered Risk 13(b) of this policy.
7. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching between Date of Policy and the date of recording of the Insured Mortgage in the Public Records. This Exclusion does not modify or limit the coverage provided under Covered Risk 11(b).
The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage:
EXCEPTIONS FROM COVERAGE
{Except as provided in Schedule B - Part II,{ t{or T}his policy does not insure against loss or damage, and the Company will not pay costs, attorneys’ fees or expenses, that arise by reason of:
10/24/2023 PH1 888 of 2254
Attachment One – CA (Rev. 05-06-16)Page 3
© California Land Title Association. All rights reserved.
The use of this Form is restricted to CLTA subscribers in good standing as of the date of use. All other uses are prohibited. Reprinted under license or express permission from the California Land Title Association. {PART I
{The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage:
1. (a) Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the Public Records; (b) proceedings by a public agency that may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the Public Records.
2. Any facts, rights, interests, or claims that are not shown by the Public Records but that could be ascertained by an inspection of the Land or that may be asserted by persons in possession of the Land.
3. Easements, liens or encumbrances, or claims thereof, not shown by the Public Records.
4. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land and not shown by the Public Records.
5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b), or (c) are shown by the Public Records.
6. Any lien or right to a lien for services, labor or material not shown by the Public Records.}
PART II
In addition to the matters set forth in Part I of this Schedule, the Title is subject to the following matters, and the Company insures against loss or damage sustained in the event that they are not subordinate to the lien of the Insured Mortgage:} 2006 ALTA OWNER’S POLICY (06-17-06)
EXCLUSIONS FROM COVERAGE
The following matters are expressly excluded from the coverage of this policy, and the Company will not pay loss or damage, costs, attorneys' fees, or expenses that arise by reason of:
1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to
(i) the occupancy, use, or enjoyment of the Land;
(ii) the character, dimensions, or location of any improvement erected on the Land; (iii) the subdivision of land; or
(iv) environmental protection;
or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk 5.
(b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 6.
2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8.
3. Defects, liens, encumbrances, adverse claims, or other matters (a) created, suffered, assumed, or agreed to by the Insured Claimant; (b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c) resulting in no loss or damage to the Insured Claimant; (d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 9 and 10); or
(e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Title.
4. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors’ rights laws, that the transaction vesting the Title as shown in Schedule A, is
(a) a fraudulent conveyance or fraudulent transfer; or
(b) a preferential transfer for any reason not stated in Covered Risk 9 of this policy.
5. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching between Date of Policy and the date of recording of the deed or other instrument of transfer in the Public Records that vests Title as shown in Schedule A.
The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage:
EXCEPTIONS FROM COVERAGE
This policy does not insure against loss or damage, and the Company will not pay costs, attorneys’ fees or expenses, that arise by reason of:
{The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage:
1. (a) Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the Public Records; (b) proceedings by a public agency that may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the Public Records.
2. Any facts, rights, interests, or claims that are not shown in the Public Records but that could be ascertained by an inspection of the Land or that may be asserted by persons in possession of the Land.
3. Easements, liens or encumbrances, or claims thereof, not shown by the Public Records.
4. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land and that are not shown by the Public Records.
5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b), or (c) are shown by the Public Records.
6. Any lien or right to a lien for services, labor or material not shown by the Public Records. }
7. {Variable exceptions such as taxes, easements, CC&R’s, etc. shown here.} 10/24/2023 PH1 889 of 2254
Attachment One – CA (Rev. 05-06-16)Page 4
© California Land Title Association. All rights reserved.
The use of this Form is restricted to CLTA subscribers in good standing as of the date of use. All other uses are prohibited. Reprinted under license or express permission from the California Land Title Association.
ALTA EXPANDED COVERAGE RESIDENTIAL LOAN POLICY – ASSESSMENTS PRIORITY (04-02-15)
EXCLUSIONS FROM COVERAGE
The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs, attorneys’ fees or expenses which arise by reason of:
1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to
(i) the occupancy, use, or enjoyment of the Land;
(ii) the character, dimensions, or location of any improvement erected on the Land; (iii) the subdivision of land; or
(iv) environmental protection;
or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk 5, 6, 13(c), 13(d), 14 or 16. (b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 5, 6, 13(c), 13(d), 14 or 16.
2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8.
3. Defects, liens, encumbrances, adverse claims, or other matters (a) created, suffered, assumed, or agreed to by the Insured Claimant; (b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c) resulting in no loss or damage to the Insured Claimant; (d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 11, 16, 17, 18, 19, 20, 21, 22, 23, 24, 27 or 28); or
(e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Insured Mortgage.
4. Unenforceability of the lien of the Insured Mortgage because of the inability or failure of an Insured to comply with applicable doing-business laws of the state where the Land is situated.
5. Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that arises out of the transaction evidenced by the Insured Mortgage and is based upon usury, or any consumer credit protection or truth-in-lending law. This Exclusion does not modify or limit the coverage provided in Covered Risk 26.
6. Any claim of invalidity, unenforceability or lack of priority of the lien of the Insured Mortgage as to Advances or modifications made after the Insured has Knowledge that the vestee shown in Schedule A is no longer the owner of the estate or interest covered by this policy. This Exclusion does not modify or limit the coverage provided in Covered Risk 11.
7. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching subsequent to Date of Policy. This Exclusion does not modify or limit the coverage provided in Covered Risk 11(b) or 25.
8. The failure of the residential structure, or any portion of it, to have been constructed before, on or after Date of Policy in accordance with applicable building codes. This Exclusion does not modify or limit the coverage provided in Covered Risk 5 or 6.
9. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors’ rights laws, that the transaction creating the lien of the Insured Mortgage, is
(a) a fraudulent conveyance or fraudulent transfer, or
(b) a preferential transfer for any reason not stated in Covered Risk 27(b) of this policy.
10. Contamination, explosion, fire, flooding, vibration, fracturing, earthquake, or subsidence.
11. Negligence by a person or an Entity exercising a right to extract or develop minerals, water, or any other substances. 10/24/2023 PH1 890 of 2254
10/24/2023 PH1 891 of 2254
10/24/2023 PH1 892 of 2254
MISC0220.doc – Owner’s Declaration (Rev. 05/05/15)
OWNER'S DECLARATION
The undersigned hereby declares as follows:
1. (Fill in the applicable paragraph and strike the other) a. Declarant ("Owner") is the owner or lessee, as the case may be, of certain premises located at ____________________________________________________________________________________, further described as follows: See Preliminary Report/Commitment No. 30074797-989-989-LD1 for full legal description (the "Land").
b. Declarant is the ____________________________ of ______________________________________ ("Owner"), which is the owner or lessee, as the case may be, of certain premises located at __________________________________________________________________________________, further described as follows: See Preliminary Report/Commitment No. 30074797-989-989-LD1 for full legal description (the "Land").
2. (Fill in the applicable paragraph and strike the other) a. During the period of six months immediately preceding the date of this declaration no work has been done, no surveys or architectural or engineering plans have been prepared, and no materials have been furnished in connection with the erection, equipment, repair, protection or removal of any building or other structure on the Land or in connection with the improvement of the Land in any manner whatsoever. b. During the period of six months immediately preceding the date of this declaration certain work has been done and materials furnished in connection with upon the Land in the approximate total sum of $ , but no work whatever remains to be done and no materials remain to be furnished to complete the construction in full compliance with the plans and specifications, nor are there any unpaid bills incurred for labor and materials used in making such improvements or repairs upon the Land, or for the services of architects, surveyors or engineers, except as follows: . Owner, by the undersigned Declarant, agrees to and does hereby indemnify and hold harmless Fidelity National Title Company against any and all claims arising therefrom.
3. Owner has not previously conveyed the Land; is not a debtor in bankruptcy (and if a partnership, the general partner thereof is not a debtor in bankruptcy); and has not received notice of any pending court action affecting the title to the Land.
4. Except as shown in the above-referenced Preliminary Report/Commitment, there are no unpaid or unsatisfied mortgages, deeds of trust, Uniform Commercial Code financing statements, regular assessments, special assessments, periodic assessments or any assessment from any source, claims of lien, special assessments, or taxes that constitute a lien against the Land or that affect the Land but have not been recorded in the public records. There are no violations of the covenants, conditions and restrictions as shown in the above-referenced Preliminary Report/Commitment.
5. The Land is currently in use as ; occupy/occupies the Land; and the following are all of the leases or other occupancy rights affecting the Land:
6. There are no other persons or entities that assert an ownership interest in the Land, nor are there unrecorded easements, claims of easement, or boundary disputes that affect the Land.
7. There are no outstanding options to purchase or rights of first refusal affecting the Land.
This declaration is made with the intention that Fidelity National Title Company (the "Company") and its policy issuing agents will rely upon it in issuing their title insurance policies and endorsements. Owner, by the undersigned Declarant, agrees to indemnify the Company against loss or damage (including attorneys fees, expenses, and costs) incurred by the Company as a result of any untrue statement made herein.
I declare under penalty of perjury that the foregoing is true and correct and that this declaration was executed on at .
Signature:
10/24/2023 PH1 893 of 2254
MISC0008 (Rev. 09/15/2011)
STATEMENT OF INFORMATION
CONFIDENTIAL INFORMATION STATEMENT TO BE USED IN CONNECTION WITH ORDER NO: 30074797-989-LD1 COMPLETION OF THIS FORM WILL EXPEDITE YOUR ORDER AND WILL HELP PROTECT YOU.
THE STREET ADDRESS of the property in this transaction is:
IF NONE LEAVE BLANK
ADDRESS:CITY:
IMPROVEMENTS: SINGLE RESIDENCE MULTIPLE RESIDENCE COMMERCIAL OCCUPIED BY: OWNER LESSEE TENANTS
ANY PORTION OF NEW LOAN FUNDS TO BE USED FOR CONSTRUCTION: YES NO
NAME SPOUSES NAME
FIRST MIDDLE LAST FIRST MIDDLE LAST
BIRTHPLACE BIRTH DATE BIRTHPLACE BIRTH DATE
I HAVE LIVED IN CALIFORNIA SINCE SOCIAL SECURITY NUMBER I HAVE LIVED IN CALIFORNIA SINCE SOCIAL SECURITY NUMBER DRIVER’S LICENSE NO.DRIVER’S LICENSE NO.
WIFE’S MAIDEN NAME:
WE WERE MARRIED ON AT
RESIDENCE(S) FOR LAST 10 YEARS
NUMBER AND STREET CITY FROM TO
NUMBER AND STREET CITY FROM TO
NUMBER AND STREET CITY FROM TO
NUMBER AND STREET CITY FROM TO
OCCUPATION(S) FOR LAST 10 YEARS
HUSBAND
PRESENT OCCUPATION FIRM NAME ADDRESS NO. OF YEARS
PRIOR OCCUPATION FIRM NAME ADDRESS NO. OF YEARS
PRIOR OCCUPATION FIRM NAME ADDRESS NO. OF YEARS
WIFE
PRESENT OCCUPATION FIRM NAME ADDRESS NO. OF YEARS
PRIOR OCCUPATION FIRM NAME ADDRESS NO. OF YEARS
PRIOR OCCUPATION FIRM NAME ADDRESS NO. OF YEARS
FORMER MARRIAGES: IF NO FORMER MARRIAGES, WRITE “NONE”:
NAME OF FORMER SPOUSE
IF DECEASED: DATE WHERE
CURRENT LOAN ON PROPERTY
PAYMENTS ARE BEING MADE TO: 2.
1.3. HOMEOWNERS ASSOCIATION NUMBER:
DATE SIGNATURE
HOME PHONE BUSINESS PHONE
10/24/2023 PH1 894 of 2254
ALTA Information Collection Form