James E. Kane (VSB #30081) 

KANE & PAPA, P.C. 

1313 East Cary Street 

Richmond, VA 23219 

(804) 225-9500 (phone) 

(804) 225-9598 (fax) 

Counsel for Debtor 

IN THE UNITED STATES BANKRUPTCY COURT 

FOR THE EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

 

IN RE: ) 

 ) 

JOSEPH ANTHONY NICOTERA ) Case No. 20−31700−KLP 

CAROLYN MARIE NICOTERA ) Chapter 13 

 ) 

 Debtors ) 

MOTION TO SELL REAL ESTATE 

 COME NOW, the Debtors, by counsel, and as and for Debtors’ Motion to Sell Real 

Estate, states as follows: 

 1. The Debtors filed this case under Chapter 13 of the U.S. Bankruptcy Code on 

March 27, 2020. 

 2. Community Loan Servicing, LLC is a secured creditor which holds a first 

mortgage on the property known as 7671 Otterspool St., Kissimmee, FL 34747, more 

particularly known as 

Unit 6, Building 7 of Windsor Hills, Phase Two, according to the official plat 

thereof as recorded in Plat Book 16, Pages 86-89 of the Public Records of 

Osceola County, Florida 

 (the “Property”). 

3. The approximate payoff balance on the note secured by said mortgage is 

$211,350.81. In addition to the mortgage, the Internal Revenue Service has a federal tax lien 

with an approximate balance of $27,250.00. Windsor Hills Master Community Association 

Case 20-31700-KLP Doc 70 Filed 05/26/21 Entered 05/26/21 15:57:11 Desc Main

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2 

HOA has a lien and current amounts owed of approximately $12,000.00. The Vistas at Windsor 

Hills Townhome HOA has a lien and current amounts owed of approximately $6,000.00. The 

tax assessed value of the Property is $190,410.00. 

 4. Debtors have entered into a contract (“Contract”) for the sale of the Property for 

$300,000.00 to Sabina Chawla and Satpreet Singh, which, upon closing of the same, will result 

in Community Loan Servicing, LLC releasing its deed of trust against the Property. A copy of 

said contract is attached hereto as Exhibit “A” and incorporated herein by this reference. 

 5. After all fees and closing costs, the amount of the sale or loan proceeds to be 

applied to the Debtors’ obligations under the confirmed plan is $17,400.00, which will not result 

in full payment of all allowed claims. 

 6. The approximate amount of sales proceeds to be paid to the Debtors is $6,500.00 

to reimburse Debtors for their rehabilitation of the Property. 

7. On June 16, 2021, or as soon thereafter as may be practicable, Debtors intend to 

sell their interest in the Property in accordance with the terms of the contract. 

WHEREFORE, the Debtors request that the Court enter an Order authorizing the sale of 

the Property in accordance with the terms of the Contract and for such other relief as the Court 

may deem appropriate 

Dated: May 26, 2021 

 JOSEPH ANTHONY NICOTERA 

 CAROLYN MARIE NICOTERA 

 By: /s/ James E. Kane 

 Counsel 

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3 

James E. Kane (VSB #30081) 

KANE & PAPA, P.C. 

1313 East Cary Street 

Richmond, VA 23219 

(804) 225-9500 (phone) 

(804) 225-9598 (fax) 

Counsel for Debtors 

CERTIFICATE OF SERVICE 

I hereby certify that on May 26, 2021, I will electronically file the foregoing with the 

Clerk of Court using the CM/ECF system, which will then send a notification of such filing 

(NEF) to all parties registered to receive notice thereof, and I mailed a true and exact copy to the 

parties on the list attached hereto. 

/s/ James E. Kane 

Counsel for Debtors 

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4 

IN THE UNITED STATES BANKRUPTCY COURT 

FOR THE EASTERN DISTRICT OF VIRGINIA 

Richmond Division 

 

IN RE: ) 

 ) 

JOSEPH ANTHONY NICOTERA ) Case No. 20−31700−KLP 

CAROLYN MARIE NICOTERA ) Chapter 13 

 ) 

 Debtors ) 

NOTICE OF MOTION AND HEARING 

 The above Debtors have filed a Motion to Sell Real Estate with the Court. 

 Your rights may be affected. You should read these papers carefully and discuss them 

with your attorney, if you have one in this bankruptcy case. (If you do not have an attorney, you 

may wish to consult one). 

Debtors are requesting to sell Debtors real estate known as 7671 Otterspool St, 

Kissimmee, FL 34747 to Sabina Chawla and Satpreet Singh. The Debtors are seeking approval 

to sell 7671 Otterspool St, Kissimmee, FL 34747for $300,000.00. The property is currently 

secured by a first deed of trust with an approximate balance of $211,350.81 which balance is to 

be paid in full with the proceeds from the sale of the property. The property is also encumbered 

by a federal tax lien in the approximate amount of $27,250.00 and HOA liens and balances in the 

approximate amounts of $12,000.00 and $6,000.00. The amount of the proceeds to be applied to 

the Debtors’ obligations under the confirmed plan in this case is $17,400.00, which will not 

result in full payment of all allowed claims in this case. The amount of the proceeds from the 

sale to be paid to the Debtors is approximately $6,500.00 to be used for Debtors’ reimbursement 

of rehabilitating the property prior to the sale. 

 If you do not want the court to grant the relief sought in the motion, or if you want the 

court to consider your views on the motion, then within twenty-one (21) days from the date of 

this Notice, you or your attorney must: 

 File with the court, at the address shown below, a written request for a hearing [or 

written response pursuant to Local Bankruptcy Rule 9013-1(H)]. If you mail your 

request for a hearing (or response) to the court for filing, you must mail it early 

enough so the court will receive it on or before the date stated above, to: 

Clerk of Court 

United States Bankruptcy Court 

701 East Broad Street 

Richmond, VA 23219 

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Document Page 4 of 22
5 

You must also mail a copy to: 

James E. Kane, Esquire 

KANE & PAPA, P.C. 

1313 East Cary Street 

Richmond, Virginia 23219 

 Attend a hearing scheduled for June 2, 2021 at 10:00 a.m. at U.S. Bankruptcy 

Court, 701 East Broad Street, Room 5100, Richmond, VA 23219. If no 

timely response has been filed opposing the relief requested, the court may grant 

the relief without holding a hearing. 

 If you or your attorney do not take these steps, the court may decide that you do not 

oppose the relief sought in the motion or objection and may enter an order granting that 

relief. 

Dated: May 26, 2021 JOSEPH ANTHONY NICOTERA 

 CAROLYN MARIE NICOTERA 

 By: /s/ James E. Kane 

 Counsel 

James E. Kane (VSB #30081) 

KANE & PAPA, P.C. 

1313 East Cary Street 

Richmond, VA 23219 

(804) 225-9500 (phone) 

(804) 225-9598 (fax) 

Counsel for Debtors 

CERTIFICATE OF SERVICE 

I hereby certify that on May 26, 2021, I will electronically file the foregoing with the 

Clerk of Court using the CM/ECF system, which will then send a notification of such filing 

(NEF) to all parties registered to receive notice thereof, and I mailed a true and exact copy to the 

parties on the list attached hereto. 

/s/ James E. Kane 

Counsel for Debtors 

Case 20-31700-KLP Doc 70 Filed 05/26/21 Entered 05/26/21 15:57:11 Desc Main

Document Page 5 of 22
Buyer’s Initials _________ __________ Page 1 of 12 Seller’s Initials __________ __________ 

FloridaRealtors/FloridaBar-ASIS-5x Rev.6/19 © 2017 Florida Realtors® and The Florida Bar. All rights reserved. 

“AS IS” Residential Contract For Sale And Purchase 

THIS FORM HAS BEEN APPROVED BY THE FLORIDA REALTORS AND THE FLORIDA BAR

1 PARTIES: ("Seller"), 

2 and ("Buyer"),

3 agree that Seller shall sell and Buyer shall buy the following described Real Property and Personal Property 

4 (collectively “Property”) pursuant to the terms and conditions of this AS IS Residential Contract For Sale And Purchase 

5 and any riders and addenda (“Contract”): 

6 1. PROPERTY DESCRIPTION:

7 (a) Street address, city, zip: 

8 (b) Located in: ______________ County, Florida. Property Tax ID #:

9 (c) Real Property: The legal description is 

10 

20

21 

22 Personal Property is included in the Purchase Price, has no contributory value, and shall be left for the Buyer.

23 (e) The following items are excluded from the purchase: 

24 

25 PURCHASE PRICE AND CLOSING

26 2. PURCHASE PRICE (U.S. currency):................................................................................................$

27 (a) Initial deposit to be held in escrow in the amount of (checks subject to COLLECTION) .......$ 

28 The initial deposit made payable and delivered to “Escrow Agent” named below 

29 (CHECK ONE): (i) accompanies offer or (ii) is to be made within _____ (if left 

30 blank, then 3) days after Effective Date. IF NEITHER BOX IS CHECKED, THEN 

31 OPTION (ii) SHALL BE DEEMED SELECTED. 

32 Escrow Agent Information: Name: 

33 Address: 

34 Phone: E-mail: Fax: 

35 (b) Additional deposit to be delivered to Escrow Agent within __________ (if left blank, then 10) 

36 days after Effective Date ........................................................................................................... $_____________ 

37 (All deposits paid or agreed to be paid, are collectively referred to as the “Deposit”) 

38 (c) Financing: Express as a dollar amount or percentage (“Loan Amount”) see Paragraph 8........._____________

39 (d) Other: ................ $_____________ 

40 (e) Balance to close (not including Buyer’s closing costs, prepaids and prorations) by wire 

41 transfer or other COLLECTED funds ........................................................................................ $_____________ 

42 NOTE: For the definition of “COLLECTION” or “COLLECTED” see STANDARD S.

43 3. TIME FOR ACCEPTANCE OF OFFER AND COUNTER-OFFERS; EFFECTIVE DATE:

44 (a) If not signed by Buyer and Seller, and an executed copy delivered to all parties on or before 

45 _______________________, this offer shall be deemed withdrawn and the Deposit, if any, shall be returned to 

46 Buyer. Unless otherwise stated, time for acceptance of any counter-offers shall be within 2 days after the day 

47 the counter-offer is delivered. 

48 (b) The effective date of this Contract shall be the date when the last one of the Buyer and Seller has signed or 

49 initialed and delivered this offer or final counter-offer (“Effective Date”). 

50 4. CLOSING DATE: Unless modified by other provisions of this Contract, the closing of this transaction shall occur 

51 and the closing documents required to be furnished by each party pursuant to this Contract shall be delivered 

52 (“Closing”) on _____________________________ (“Closing Date”), at the time established by the Closing Agent. 

11 

12 together with all existing improvements and fixtures, including built-in appliances, built-in furnishings and 

13 attached wall-to-wall carpeting and flooring (“Real Property”) unless specifically excluded in Paragraph 1(e) or 

14 by other terms of this Contract.

15 (d) Personal Property: Unless excluded in Paragraph 1(e) or by other terms of this Contract, the following items 

16 which are owned by Seller and existing on the Property as of the date of the initial offer are included in the 

17 purchase: range(s)/oven(s), refrigerator(s), dishwasher(s), disposal, ceiling fan(s), intercom, light fixture(s), 

18 drapery rods and draperies, blinds, window treatments, smoke detector(s), garage door opener(s), security gate 

19 and other access devices, and storm shutters/panels ("Personal Property"). 

Other Personal Property items included in this purchase are:

JOSEPH A NICOTERA Caroline M Nicotera

Sabina Chawla

7671 OTTERSPOOL ST KISSIMMEE 34747

Osceola 10-25-27-5482-0007-0060

WINDSOR HILLS PHASE TWO PB 16 PGS 86-89 BLDG 7 LOT 6

300,000.00

5,000.00

✘

Yaritza Logrono Equitable Title

610 Sycamore St. Suite 190 Kissimmee, Florida 34747

407-566-0776 ylogrono@equitabletitle.com

80%

55,000.00

5/24/2021

6/16/2021

This software is licensed to [Kimberley Beaudry - ORLANDO REGIONAL REALTY] www.transactiondesk.com.

Satpreet Singh

Authentisign ID: 352F60D0-AF2A-4A90-BE48-F5B922F55750

JAN CN

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FloridaRealtors/FloridaBar-ASIS-5x Rev.6/19 © 2017 Florida Realtors® and The Florida Bar. All rights reserved. 

53 5. EXTENSION OF CLOSING DATE:

54 (a) If Paragraph 8(b) is checked and Closing funds from Buyer’s lender(s) are not available on Closing Date due 

55 to Consumer Financial Protection Bureau Closing Disclosure delivery requirements (“CFPB Requirements”), 

56 then Closing Date shall be extended for such period necessary to satisfy CFPB Requirements, provided such 

57 period shall not exceed 10 days. 

58 (b) If an event constituting “Force Majeure” causes services essential for Closing to be unavailable, including the 

59 unavailability of utilities or issuance of hazard, wind, flood or homeowners’ insurance, Closing Date shall be 

60 extended as provided in STANDARD G. 

61 6. OCCUPANCY AND POSSESSION:

62 (a) Unless the box in Paragraph 6(b) is checked, Seller shall, at Closing, deliver occupancy and possession of the 

63 Property to Buyer free of tenants, occupants and future tenancies. Also, at Closing, Seller shall have removed 

64 all personal items and trash from the Property and shall deliver all keys, garage door openers, access devices 

65 and codes, as applicable, to Buyer. If occupancy is to be delivered before Closing, Buyer assumes all risks of 

66 loss to the Property from date of occupancy, shall be responsible and liable for maintenance from that date, 

67 and shall be deemed to have accepted the Property in its existing condition as of time of taking occupancy. 

68 (b) CHECK IF PROPERTY IS SUBJECT TO LEASE(S) OR OCCUPANCY AFTER CLOSING. If Property is 

69 subject to a lease(s) after Closing or is intended to be rented or occupied by third parties beyond Closing, the 

70 facts and terms thereof shall be disclosed in writing by Seller to Buyer and copies of the written lease(s) shall 

71 be delivered to Buyer, all within 5 days after Effective Date. If Buyer determines, in Buyer’s sole discretion, that 

72 the lease(s) or terms of occupancy are not acceptable to Buyer, Buyer may terminate this Contract by delivery 

73 of written notice of such election to Seller within 5 days after receipt of the above items from Seller, and Buyer 

74 shall be refunded the Deposit thereby releasing Buyer and Seller from all further obligations under this Contract. 

75 Estoppel Letter(s) and Seller’s affidavit shall be provided pursuant to STANDARD D. If Property is intended to 

76 be occupied by Seller after Closing, see Rider U. POST-CLOSING OCCUPANCY BY SELLER. 

77 7. ASSIGNABILITY: (CHECK ONE): Buyer may assign and thereby be released from any further liability under 

78 this Contract; may assign but not be released from liability under this Contract; or may not assign this 

79 Contract. 

80 FINANCING

81 8. FINANCING:

82 (a) Buyer will pay cash for the purchase of the Property at Closing. There is no financing contingency to Buyer’s 

83 obligation to close. If Buyer obtains a loan for any part of the Purchase Price of the Property, Buyer acknowledges 

84 that any terms and conditions imposed by Buyer’s lender(s) or by CFPB Requirements shall not affect or extend 

85 the Buyer’s obligation to close or otherwise affect any terms or conditions of this Contract. 

86 (b) This Contract is contingent upon Buyer obtaining approval of a conventional FHA VA or other 

87 ______________ (describe) loan within _______ (if left blank, then 30) days after Effective Date (“Loan Approval 

88 Period”) for (CHECK ONE): fixed, adjustable, fixed or adjustable rate in the Loan Amount (See Paragraph 

89 2(c)), at an initial interest rate not to exceed _______ % (if left blank, then prevailing rate based upon Buyer’s 

90 creditworthiness), and for a term of _______(if left blank, then 30) years (“Financing”). 

91 (i) Buyer shall make mortgage loan application for the Financing within _______ (if left blank, then 5) days 

92 after Effective Date and use good faith and diligent effort to obtain approval of a loan meeting the Financing terms 

93 (“Loan Approval”) and thereafter to close this Contract. Loan Approval which requires a condition related to the sale 

94 by Buyer of other property shall not be deemed Loan Approval for purposes of this subparagraph. 

95 Buyer’s failure to use diligent effort to obtain Loan Approval during the Loan Approval Period shall be considered a 

96 default under the terms of this Contract. For purposes of this provision, “diligent effort” includes, but is not limited 

97 to, timely furnishing all documents and information and paying of all fees and charges requested by Buyer’s 

98 mortgage broker and lender in connection with Buyer’s mortgage loan application. 

99 (ii) Buyer shall keep Seller and Broker fully informed about the status of Buyer’s mortgage loan application, 

100 Loan Approval, and loan processing and authorizes Buyer’s mortgage broker, lender, and Closing Agent to disclose 

101 such status and progress, and release preliminary and finally executed closing disclosures and settlement 

102 statements, to Seller and Broker. 

103 (iii) Upon Buyer obtaining Loan Approval, Buyer shall promptly deliver written notice of such approval to Seller. 

104 (iv) If Buyer is unable to obtain Loan Approval after the exercise of diligent effort, then at any time prior to 

105 expiration of the Loan Approval Period, Buyer may provide written notice to Seller stating that Buyer has been 

106 unable to obtain Loan Approval and has elected to either: 

107 (1) waive Loan Approval, in which event this Contract will continue as if Loan Approval had been obtained; or

108 (2) terminate this Contract. 

This software is licensed to [Kimberley Beaudry - ORLANDO REGIONAL REALTY] www.transactiondesk.com.

✘

✘ ✘

Authentisign ID: 352F60D0-AF2A-4A90-BE48-F5B922F55750

JAN CN

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109 (v) If Buyer fails to timely deliver either notice provided in Paragraph 8(b)(iii) or (iv), above, to Seller prior to 

110 expiration of the Loan Approval Period, then Loan Approval shall be deemed waived, in which event this Contract 

111 will continue as if Loan Approval had been obtained, provided however, Seller may elect to terminate this Contract 

112 by delivering written notice to Buyer within 3 days after expiration of the Loan Approval Period. 

113 (vi) If this Contract is timely terminated as provided by Paragraph 8(b)(iv)(2) or (v), above, and Buyer is not in 

114 default under the terms of this Contract, Buyer shall be refunded the Deposit thereby releasing Buyer and Seller 

115 from all further obligations under this Contract. 

116 (vii) If Loan Approval has been obtained, or deemed to have been obtained, as provided above, and Buyer 

117 fails to close this Contract, then the Deposit shall be paid to Seller unless failure to close is due to: (1) Seller’s 

118 default or inability to satisfy other contingencies of this Contract; (2) Property related conditions of the Loan Approval 

119 have not been met (except when such conditions are waived by other provisions of this Contract); or (3) appraisal 

120 of the Property obtained by Buyer’s lender is insufficient to meet terms of the Loan Approval, in which event(s) the 

121 Buyer shall be refunded the Deposit, thereby releasing Buyer and Seller from all further obligations under this 

122 Contract. 

123 (c) Assumption of existing mortgage (see rider for terms). 

124 (d) Purchase money note and mortgage to Seller (see riders; addenda; or special clauses for terms). 

125 CLOSING COSTS, FEES AND CHARGES

126 9. CLOSING COSTS; TITLE INSURANCE; SURVEY; HOME WARRANTY; SPECIAL ASSESSMENTS:

127 (a) COSTS TO BE PAID BY SELLER: 

128 • Documentary stamp taxes and surtax on deed, if any • HOA/Condominium Association estoppel fees 

129 • Owner’s Policy and Charges (if Paragraph 9(c)(i) is checked) • Recording and other fees needed to cure title 

130 • Title search charges (if Paragraph 9(c)(iii) is checked) • Seller’s attorneys’ fees 

131 • Municipal lien search (if Paragraph 9(c)(i) or (iii) is checked) • Other: 

132 If, prior to Closing, Seller is unable to meet the AS IS Maintenance Requirement as required by Paragraph 11 

133 a sum equal to 125% of estimated costs to meet the AS IS Maintenance Requirement shall be escrowed at 

134 Closing. If actual costs to meet the AS IS Maintenance Requirement exceed escrowed amount, Seller shall pay 

135 such actual costs. Any unused portion of escrowed amount(s) shall be returned to Seller. 

136 (b) COSTS TO BE PAID BY BUYER: 

137 • Taxes and recording fees on notes and mortgages • Loan expenses 

138 • Recording fees for deed and financing statements • Appraisal fees 

139 • Owner’s Policy and Charges (if Paragraph 9(c)(ii) is checked) • Buyer’s Inspections 

140 • Survey (and elevation certification, if required) • Buyer’s attorneys’ fees 

141 • Lender’s title policy and endorsements • All property related insurance 

142 • HOA/Condominium Association application/transfer fees • Owner’s Policy Premium (if Paragraph 

143 • Municipal lien search (if Paragraph 9(c)(ii) is checked) 9 (c)(iii) is checked.) 

144 • Other: 

145 (c) TITLE EVIDENCE AND INSURANCE: At least ______ (if left blank, then 15, or if Paragraph 8(a) is checked, 

146 then 5) days prior to Closing Date (“Title Evidence Deadline”), a title insurance commitment issued by a Florida 

147 licensed title insurer, with legible copies of instruments listed as exceptions attached thereto (“Title 

148 Commitment”) and, after Closing, an owner’s policy of title insurance (see STANDARD A for terms) shall be 

149 obtained and delivered to Buyer. If Seller has an owner’s policy of title insurance covering the Real Property, a 

150 copy shall be furnished to Buyer and Closing Agent within 5 days after Effective Date. The owner’s title policy 

151 premium, title search and closing services (collectively, “Owner’s Policy and Charges”) shall be paid, as set 

152 forth below. The title insurance premium charges for the owner’s policy and any lender’s policy will be calculated 

153 and allocated in accordance with Florida law, but may be reported differently on certain federally mandated 

154 closing disclosures and other closing documents. For purposes of this Contract “municipal lien search” means a 

155 search of records necessary for the owner’s policy of title insurance to be issued without exception for unrecorded 

156 liens imposed pursuant to Chapters 159 or 170, F.S., in favor of any governmental body, authority or agency.

157 (CHECK ONE): 

158 (i) Seller shall designate Closing Agent and pay for Owner’s Policy and Charges, and Buyer shall pay the 

159 premium for Buyer’s lender’s policy and charges for closing services related to the lender’s policy, 

160 endorsements and loan closing, which amounts shall be paid by Buyer to Closing Agent or such other 

161 provider(s) as Buyer may select; or 

162 (ii) Buyer shall designate Closing Agent and pay for Owner’s Policy and Charges and charges for closing 

163 services related to Buyer’s lender’s policy, endorsements and loan closing; or 

This software is licensed to [Kimberley Beaudry - ORLANDO REGIONAL REALTY] www.transactiondesk.com.

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Authentisign ID: 352F60D0-AF2A-4A90-BE48-F5B922F55750

JAN CN

Case 20-31700-KLP Doc 70 Filed 05/26/21 Entered 05/26/21 15:57:11 Desc Main

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164 (iii) [MIAMI-DADE/BROWARD REGIONAL PROVISION]: Seller shall furnish a copy of a prior owner’s policy 

165 of title insurance or other evidence of title and pay fees for: (A) a continuation or update of such title evidence, 

166 which is acceptable to Buyer’s title insurance underwriter for reissue of coverage; (B) tax search; and (C) 

167 municipal lien search. Buyer shall obtain and pay for post-Closing continuation and premium for Buyer’s owner’s 

168 policy, and if applicable, Buyer’s lender’s policy. Seller shall not be obligated to pay more than $_____________ 

169 (if left blank, then $200.00) for abstract continuation or title search ordered or performed by Closing Agent. 

170 (d) SURVEY: On or before Title Evidence Deadline, Buyer may, at Buyer’s expense, have the Real Property 

171 surveyed and certified by a registered Florida surveyor (“Survey”). If Seller has a survey covering the Real 

172 Property, a copy shall be furnished to Buyer and Closing Agent within 5 days after Effective Date. 

173 (e) HOME WARRANTY: At Closing, Buyer Seller N/A shall pay for a home warranty plan issued by 

174 ___________________________________________ at a cost not to exceed $_________________. A home 

175 warranty plan provides for repair or replacement of many of a home’s mechanical systems and major built-in 

176 appliances in the event of breakdown due to normal wear and tear during the agreement’s warranty period. 

177 (f) SPECIAL ASSESSMENTS: At Closing, Seller shall pay: (i) the full amount of liens imposed by a public body 

178 (“public body” does not include a Condominium or Homeowner’s Association) that are certified, confirmed and 

179 ratified before Closing; and (ii) the amount of the public body’s most recent estimate or assessment for an 

180 improvement which is substantially complete as of Effective Date, but that has not resulted in a lien being 

181 imposed on the Property before Closing. Buyer shall pay all other assessments. If special assessments may 

182 be paid in installments (CHECK ONE):

183 (a) Seller shall pay installments due prior to Closing and Buyer shall pay installments due after Closing. 

184 Installments prepaid or due for the year of Closing shall be prorated. 

185 (b) Seller shall pay the assessment(s) in full prior to or at the time of Closing. 

186 IF NEITHER BOX IS CHECKED, THEN OPTION (a) SHALL BE DEEMED SELECTED. 

187 This Paragraph 9(f) shall not apply to a special benefit tax lien imposed by a community development district 

188 (CDD) pursuant to Chapter 190, F.S., which lien shall be prorated pursuant to STANDARD K.

189 DISCLOSURES

190 10. DISCLOSURES:

191 (a) RADON GAS: Radon is a naturally occurring radioactive gas that, when it is accumulated in a building in 

192 sufficient quantities, may present health risks to persons who are exposed to it over time. Levels of radon that 

193 exceed federal and state guidelines have been found in buildings in Florida. Additional information regarding 

194 radon and radon testing may be obtained from your county health department. 

195 (b) PERMITS DISCLOSURE: Except as may have been disclosed by Seller to Buyer in a written disclosure, Seller 

196 does not know of any improvements made to the Property which were made without required permits or made 

197 pursuant to permits which have not been properly closed. If Seller identifies permits which have not been 

198 properly closed or improvements which were not permitted, then Seller shall promptly deliver to Buyer all plans, 

199 written documentation or other information in Seller’s possession, knowledge, or control relating to 

200 improvements to the Property which are the subject of such open permits or unpermitted improvements. 

201 (c) MOLD: Mold is naturally occurring and may cause health risks or damage to property. If Buyer is concerned or 

202 desires additional information regarding mold, Buyer should contact an appropriate professional. 

203 (d) FLOOD ZONE; ELEVATION CERTIFICATION: Buyer is advised to verify by elevation certificate which flood

204 zone the Property is in, whether flood insurance is required by Buyer’s lender, and what restrictions apply to 

205 improving the Property and rebuilding in the event of casualty. If Property is in a “Special Flood Hazard Area” 

206 or “Coastal Barrier Resources Act” designated area or otherwise protected area identified by the U.S. Fish and 

207 Wildlife Service under the Coastal Barrier Resources Act and the lowest floor elevation for the building(s) and/or 

208 flood insurance rating purposes is below minimum flood elevation or is ineligible for flood insurance coverage 

209 through the National Flood Insurance Program or private flood insurance as defined in 42 U.S.C. §4012a, Buyer 

210 may terminate this Contract by delivering written notice to Seller within _____ (if left blank, then 20) days after 

211 Effective Date, and Buyer shall be refunded the Deposit thereby releasing Buyer and Seller from all further 

212 obligations under this Contract, failing which Buyer accepts existing elevation of buildings and flood zone 

213 designation of Property. The National Flood Insurance Program may assess additional fees or adjust premiums 

214 for pre-Flood Insurance Rate Map (pre-FIRM) non-primary structures (residential structures in which the insured 

215 or spouse does not reside for at least 50% of the year) and an elevation certificate may be required for actuarial 

216 rating. 

217 (e) ENERGY BROCHURE: Buyer acknowledges receipt of Florida Energy-Efficiency Rating Information Brochure 

218 required by Section 553.996, F.S. 

This software is licensed to [Kimberley Beaudry - ORLANDO REGIONAL REALTY] www.transactiondesk.com.

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Authentisign ID: 352F60D0-AF2A-4A90-BE48-F5B922F55750

JAN CN

Case 20-31700-KLP Doc 70 Filed 05/26/21 Entered 05/26/21 15:57:11 Desc Main

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219 (f) LEAD-BASED PAINT: If Property includes pre-1978 residential housing, a lead-based paint disclosure is 

220 mandatory. 

221 (g) HOMEOWNERS’ ASSOCIATION/COMMUNITY DISCLOSURE: BUYER SHOULD NOT EXECUTE THIS 

222 CONTRACT UNTIL BUYER HAS RECEIVED AND READ THE HOMEOWNERS’ 

223 ASSOCIATION/COMMUNITY DISCLOSURE, IF APPLICABLE.

224 (h) PROPERTY TAX DISCLOSURE SUMMARY: BUYER SHOULD NOT RELY ON THE SELLER’S CURRENT 

225 PROPERTY TAXES AS THE AMOUNT OF PROPERTY TAXES THAT THE BUYER MAY BE OBLIGATED TO 

226 PAY IN THE YEAR SUBSEQUENT TO PURCHASE. A CHANGE OF OWNERSHIP OR PROPERTY 

227 IMPROVEMENTS TRIGGERS REASSESSMENTS OF THE PROPERTY THAT COULD RESULT IN HIGHER 

228 PROPERTY TAXES. IF YOU HAVE ANY QUESTIONS CONCERNING VALUATION, CONTACT THE 

229 COUNTY PROPERTY APPRAISER’S OFFICE FOR INFORMATION. 

230 (i) FOREIGN INVESTMENT IN REAL PROPERTY TAX ACT (“FIRPTA”): Seller shall inform Buyer in writing if 

231 Seller is a “foreign person” as defined by the Foreign Investment in Real Property Tax Act (“FIRPTA”). Buyer 

232 and Seller shall comply with FIRPTA, which may require Seller to provide additional cash at Closing. If Seller 

233 is not a “foreign person”, Seller can provide Buyer, at or prior to Closing, a certification of non-foreign status, 

234 under penalties of perjury, to inform Buyer and Closing Agent that no withholding is required. See STANDARD 

235 V for further information pertaining to FIRPTA. Buyer and Seller are advised to seek legal counsel and tax 

236 advice regarding their respective rights, obligations, reporting and withholding requirements pursuant to 

237 FIRPTA. 

238 (j) SELLER DISCLOSURE: Seller knows of no facts materially affecting the value of the Real Property which are 

239 not readily observable and which have not been disclosed to Buyer. Except as provided for in the preceding 

240 sentence, Seller extends and intends no warranty and makes no representation of any type, either express or 

241 implied, as to the physical condition or history of the Property. Except as otherwise disclosed in writing Seller 

242 has received no written or verbal notice from any governmental entity or agency as to a currently uncorrected 

243 building, environmental or safety code violation. 

244 PROPERTY MAINTENANCE, CONDITION, INSPECTIONS AND EXAMINATIONS 

245 11. PROPERTY MAINTENANCE: Except for ordinary wear and tear and Casualty Loss, Seller shall maintain the 

246 Property, including, but not limited to, lawn, shrubbery, and pool, in the condition existing as of Effective Date (“AS 

247 IS Maintenance Requirement”). 

248 12. PROPERTY INSPECTION; RIGHT TO CANCEL: 

249 (a) PROPERTY INSPECTIONS AND RIGHT TO CANCEL: Buyer shall have ______ (if left blank, then 15) 

250 days after Effective Date (“Inspection Period”) within which to have such inspections of the Property 

251 performed as Buyer shall desire during the Inspection Period. If Buyer determines, in Buyer’s sole 

252 discretion, that the Property is not acceptable to Buyer, Buyer may terminate this Contract by delivering 

253 written notice of such election to Seller prior to expiration of Inspection Period. If Buyer timely 

254 terminates this Contract, the Deposit paid shall be returned to Buyer, thereupon, Buyer and Seller shall 

255 be released of all further obligations under this Contract; however, Buyer shall be responsible for 

256 prompt payment for such inspections, for repair of damage to, and restoration of, the Property resulting 

257 from such inspections, and shall provide Seller with paid receipts for all work done on the Property (the 

258 preceding provision shall survive termination of this Contract). Unless Buyer exercises the right to 

259 terminate granted herein, Buyer accepts the physical condition of the Property and any violation of 

260 governmental, building, environmental, and safety codes, restrictions, or requirements, but subject to

261 Seller’s continuing AS IS Maintenance Requirement, and Buyer shall be responsible for any and all 

262 repairs and improvements required by Buyer’s lender. 

263 (b) WALK-THROUGH INSPECTION/RE-INSPECTION: On the day prior to Closing Date, or on Closing Date prior 

264 to time of Closing, as specified by Buyer, Buyer or Buyer’s representative may perform a walk-through (and 

265 follow-up walk-through, if necessary) inspection of the Property solely to confirm that all items of Personal 

266 Property are on the Property and to verify that Seller has maintained the Property as required by the AS IS 

267 Maintenance Requirement and has met all other contractual obligations. 

268 (c) SELLER ASSISTANCE AND COOPERATION IN CLOSE-OUT OF BUILDING PERMITS: If Buyer’s inspection 

269 of the Property identifies open or needed building permits, then Seller shall promptly deliver to Buyer all plans, 

270 written documentation or other information in Seller’s possession, knowledge, or control relating to 

271 improvements to the Property which are the subject of such open or needed Permits, and shall promptly 

272 cooperate in good faith with Buyer’s efforts to obtain estimates of repairs or other work necessary to resolve 

273 such Permit issues. Seller’s obligation to cooperate shall include Seller’s execution of necessary authorizations, 

This software is licensed to [Kimberley Beaudry - ORLANDO REGIONAL REALTY] www.transactiondesk.com.

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274 consents, or other documents necessary for Buyer to conduct inspections and have estimates of such repairs 

275 or work prepared, but in fulfilling such obligation, Seller shall not be required to expend, or become obligated to 

276 expend, any money. 

277 (d) ASSIGNMENT OF REPAIR AND TREATMENT CONTRACTS AND WARRANTIES: At Buyer’s option and 

278 cost, Seller will, at Closing, assign all assignable repair, treatment and maintenance contracts and warranties 

279 to Buyer. 

280 ESCROW AGENT AND BROKER

281 13. ESCROW AGENT: Any Closing Agent or Escrow Agent (collectively “Agent”) receiving the Deposit, other funds 

282 and other items is authorized, and agrees by acceptance of them, to deposit them promptly, hold same in escrow 

283 within the State of Florida and, subject to COLLECTION, disburse them in accordance with terms and conditions 

284 of this Contract. Failure of funds to become COLLECTED shall not excuse Buyer’s performance. When conflicting 

285 demands for the Deposit are received, or Agent has a good faith doubt as to entitlement to the Deposit, Agent may 

286 take such actions permitted by this Paragraph 13, as Agent deems advisable. If in doubt as to Agent’s duties or 

287 liabilities under this Contract, Agent may, at Agent’s option, continue to hold the subject matter of the escrow until 

288 the parties agree to its disbursement or until a final judgment of a court of competent jurisdiction shall determine 

289 the rights of the parties, or Agent may deposit same with the clerk of the circuit court having jurisdiction of the 

290 dispute. An attorney who represents a party and also acts as Agent may represent such party in such action. Upon 

291 notifying all parties concerned of such action, all liability on the part of Agent shall fully terminate, except to the 

292 extent of accounting for any items previously delivered out of escrow. If a licensed real estate broker, Agent will 

293 comply with provisions of Chapter 475, F.S., as amended and FREC rules to timely resolve escrow disputes through 

294 mediation, arbitration, interpleader or an escrow disbursement order. 

295 In any proceeding between Buyer and Seller wherein Agent is made a party because of acting as Agent hereunder, 

296 or in any proceeding where Agent interpleads the subject matter of the escrow, Agent shall recover reasonable 

297 attorney’s fees and costs incurred, to be paid pursuant to court order out of the escrowed funds or equivalent. Agent 

298 shall not be liable to any party or person for mis-delivery of any escrowed items, unless such mis-delivery is due to 

299 Agent’s willful breach of this Contract or Agent’s gross negligence. This Paragraph 13 shall survive Closing or 

300 termination of this Contract. 

301 14. PROFESSIONAL ADVICE; BROKER LIABILITY: Broker advises Buyer and Seller to verify Property condition, 

302 square footage, and all other facts and representations made pursuant to this Contract and to consult appropriate 

303 professionals for legal, tax, environmental, and other specialized advice concerning matters affecting the Property 

304 and the transaction contemplated by this Contract. Broker represents to Buyer that Broker does not reside on the 

305 Property and that all representations (oral, written or otherwise) by Broker are based on Seller representations or 

306 public records. BUYER AGREES TO RELY SOLELY ON SELLER, PROFESSIONAL INSPECTORS AND 

307 GOVERNMENTAL AGENCIES FOR VERIFICATION OF PROPERTY CONDITION, SQUARE FOOTAGE AND 

308 FACTS THAT MATERIALLY AFFECT PROPERTY VALUE AND NOT ON THE REPRESENTATIONS (ORAL, 

309 WRITTEN OR OTHERWISE) OF BROKER. Buyer and Seller (individually, the “Indemnifying Party”) each 

310 individually indemnifies, holds harmless, and releases Broker and Broker’s officers, directors, agents and 

311 employees from all liability for loss or damage, including all costs and expenses, and reasonable attorney’s fees at 

312 all levels, suffered or incurred by Broker and Broker’s officers, directors, agents and employees in connection with 

313 or arising from claims, demands or causes of action instituted by Buyer or Seller based on: (i) inaccuracy of 

314 information provided by the Indemnifying Party or from public records; (ii) Indemnifying Party’s misstatement(s) or 

315 failure to perform contractual obligations; (iii) Broker’s performance, at Indemnifying Party’s request, of any task 

316 beyond the scope of services regulated by Chapter 475, F.S., as amended, including Broker’s referral, 

317 recommendation or retention of any vendor for, or on behalf of, Indemnifying Party; (iv) products or services 

318 provided by any such vendor for, or on behalf of, Indemnifying Party; and (v) expenses incurred by any such vendor. 

319 Buyer and Seller each assumes full responsibility for selecting and compensating their respective vendors and 

320 paying their other costs under this Contract whether or not this transaction closes. This Paragraph 14 will not relieve 

321 Broker of statutory obligations under Chapter 475, F.S., as amended. For purposes of this Paragraph 14, Broker 

322 will be treated as a party to this Contract. This Paragraph 14 shall survive Closing or termination of this Contract. 

323 DEFAULT AND DISPUTE RESOLUTION

324 15. DEFAULT: 

325 (a) BUYER DEFAULT: If Buyer fails, neglects or refuses to perform Buyer’s obligations under this Contract, 

326 including payment of the Deposit, within the time(s) specified, Seller may elect to recover and retain the Deposit 

327 for the account of Seller as agreed upon liquidated damages, consideration for execution of this Contract, and 

328 in full settlement of any claims, whereupon Buyer and Seller shall be relieved from all further obligations under 

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329 this Contract, or Seller, at Seller’s option, may, pursuant to Paragraph 16, proceed in equity to enforce Seller’s 

330 rights under this Contract. The portion of the Deposit, if any, paid to Listing Broker upon default by Buyer, shall 

331 be split equally between Listing Broker and Cooperating Broker; provided however, Cooperating Broker’s share 

332 shall not be greater than the commission amount Listing Broker had agreed to pay to Cooperating Broker. 

333 (b) SELLER DEFAULT: If for any reason other than failure of Seller to make Seller’s title marketable after 

334 reasonable diligent effort, Seller fails, neglects or refuses to perform Seller’s obligations under this Contract, 

335 Buyer may elect to receive return of Buyer’s Deposit without thereby waiving any action for damages resulting 

336 from Seller’s breach, and, pursuant to Paragraph 16, may seek to recover such damages or seek specific 

337 performance. 

338 This Paragraph 15 shall survive Closing or termination of this Contract. 

339 16. DISPUTE RESOLUTION: Unresolved controversies, claims and other matters in question between Buyer and 

340 Seller arising out of, or relating to, this Contract or its breach, enforcement or interpretation (“Dispute”) will be settled 

341 as follows: 

342 (a) Buyer and Seller will have 10 days after the date conflicting demands for the Deposit are made to attempt to 

343 resolve such Dispute, failing which, Buyer and Seller shall submit such Dispute to mediation under Paragraph 

344 16(b). 

345 (b) Buyer and Seller shall attempt to settle Disputes in an amicable manner through mediation pursuant to Florida 

346 Rules for Certified and Court-Appointed Mediators and Chapter 44, F.S., as amended (the “Mediation Rules”). 

347 The mediator must be certified or must have experience in the real estate industry. Injunctive relief may be 

348 sought without first complying with this Paragraph 16(b). Disputes not settled pursuant to this Paragraph 16 

349 may be resolved by instituting action in the appropriate court having jurisdiction of the matter. This Paragraph 

350 16 shall survive Closing or termination of this Contract. 

351 17. ATTORNEY’S FEES; COSTS: The parties will split equally any mediation fee incurred in any mediation permitted 

352 by this Contract, and each party will pay their own costs, expenses and fees, including attorney’s fees, incurred in 

353 conducting the mediation. In any litigation permitted by this Contract, the prevailing party shall be entitled to recover 

354 from the non-prevailing party costs and fees, including reasonable attorney’s fees, incurred in conducting the 

355 litigation. This Paragraph 17 shall survive Closing or termination of this Contract. 

356 STANDARDS FOR REAL ESTATE TRANSACTIONS (“STANDARDS”)

357 18. STANDARDS:

358 A. TITLE:

359 (i) TITLE EVIDENCE; RESTRICTIONS; EASEMENTS; LIMITATIONS: Within the time period provided in 

360 Paragraph 9(c), the Title Commitment, with legible copies of instruments listed as exceptions attached thereto, shall 

361 be issued and delivered to Buyer. The Title Commitment shall set forth those matters to be discharged by Seller at 

362 or before Closing and shall provide that, upon recording of the deed to Buyer, an owner’s policy of title insurance 

363 in the amount of the Purchase Price, shall be issued to Buyer insuring Buyer’s marketable title to the Real Property, 

364 subject only to the following matters: (a) comprehensive land use plans, zoning, and other land use restrictions, 

365 prohibitions and requirements imposed by governmental authority; (b) restrictions and matters appearing on the 

366 Plat or otherwise common to the subdivision; (c) outstanding oil, gas and mineral rights of record without right of 

367 entry; (d) unplatted public utility easements of record (located contiguous to real property lines and not more than 

368 10 feet in width as to rear or front lines and 7 1/2 feet in width as to side lines); (e) taxes for year of Closing and 

369 subsequent years; and (f) assumed mortgages and purchase money mortgages, if any (if additional items, attach 

370 addendum); provided, that, none prevent use of Property for RESIDENTIAL PURPOSES. If there exists at Closing 

371 any violation of items identified in (b) – (f) above, then the same shall be deemed a title defect. Marketable title shall 

372 be determined according to applicable Title Standards adopted by authority of The Florida Bar and in accordance 

373 with law. 

374 (ii) TITLE EXAMINATION: Buyer shall have 5 days after receipt of Title Commitment to examine it and notify Seller 

375 in writing specifying defect(s), if any, that render title unmarketable. If Seller provides Title Commitment and it is 

376 delivered to Buyer less than 5 days prior to Closing Date, Buyer may extend Closing for up to 5 days after date of 

377 receipt to examine same in accordance with this STANDARD A. Seller shall have 30 days (“Cure Period”) after 

378 receipt of Buyer’s notice to take reasonable diligent efforts to remove defects. If Buyer fails to so notify Seller, Buyer 

379 shall be deemed to have accepted title as it then is. If Seller cures defects within Cure Period, Seller will deliver 

380 written notice to Buyer (with proof of cure acceptable to Buyer and Buyer’s attorney) and the parties will close this 

381 Contract on Closing Date (or if Closing Date has passed, within 10 days after Buyer’s receipt of Seller’s notice). If 

382 Seller is unable to cure defects within Cure Period, then Buyer may, within 5 days after expiration of Cure Period,

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383 deliver written notice to Seller: (a) extending Cure Period for a specified period not to exceed 120 days within which 

384 Seller shall continue to use reasonable diligent effort to remove or cure the defects (“Extended Cure Period”); or 

385 (b) electing to accept title with existing defects and close this Contract on Closing Date (or if Closing Date has 

386 passed, within the earlier of 10 days after end of Extended Cure Period or Buyer’s receipt of Seller’s notice), or (c) 

387 electing to terminate this Contract and receive a refund of the Deposit, thereby releasing Buyer and Seller from all 

388 further obligations under this Contract. If after reasonable diligent effort, Seller is unable to timely cure defects, and 

389 Buyer does not waive the defects, this Contract shall terminate, and Buyer shall receive a refund of the Deposit, 

390 thereby releasing Buyer and Seller from all further obligations under this Contract.

391 B. SURVEY: If Survey discloses encroachments on the Real Property or that improvements located thereon 

392 encroach on setback lines, easements, or lands of others, or violate any restrictions, covenants, or applicable 

393 governmental regulations described in STANDARD A (i)(a), (b) or (d) above, Buyer shall deliver written notice of 

394 such matters, together with a copy of Survey, to Seller within 5 days after Buyer’s receipt of Survey, but no later 

395 than Closing. If Buyer timely delivers such notice and Survey to Seller, such matters identified in the notice and 

396 Survey shall constitute a title defect, subject to cure obligations of STANDARD A above. If Seller has delivered a 

397 prior survey, Seller shall, at Buyer’s request, execute an affidavit of “no change” to the Real Property since the 

398 preparation of such prior survey, to the extent the affirmations therein are true and correct. 

399 C. INGRESS AND EGRESS: Seller represents that there is ingress and egress to the Real Property and title to 

400 the Real Property is insurable in accordance with STANDARD A without exception for lack of legal right of access. 

401 D. LEASE INFORMATION: Seller shall, at least 10 days prior to Closing, furnish to Buyer estoppel letters from 

402 tenant(s)/occupant(s) specifying nature and duration of occupancy, rental rates, advanced rent and security 

403 deposits paid by tenant(s) or occupant(s)(“Estoppel Letter(s)”). If Seller is unable to obtain such Estoppel Letter(s) 

404 the same information shall be furnished by Seller to Buyer within that time period in the form of a Seller’s affidavit 

405 and Buyer may thereafter contact tenant(s) or occupant(s) to confirm such information. If Estoppel Letter(s) or 

406 Seller’s affidavit, if any, differ materially from Seller’s representations and lease(s) provided pursuant to Paragraph 

407 6, or if tenant(s)/occupant(s) fail or refuse to confirm Seller’s affidavit, Buyer may deliver written notice to Seller 

408 within 5 days after receipt of such information, but no later than 5 days prior to Closing Date, terminating this 

409 Contract and receive a refund of the Deposit, thereby releasing Buyer and Seller from all further obligations under 

410 this Contract. Seller shall, at Closing, deliver and assign all leases to Buyer who shall assume Seller’s obligations 

411 thereunder. 

412 E. LIENS: Seller shall furnish to Buyer at Closing an affidavit attesting (i) to the absence of any financing 

413 statement, claims of lien or potential lienors known to Seller and (ii) that there have been no improvements or 

414 repairs to the Real Property for 90 days immediately preceding Closing Date. If the Real Property has been 

415 improved or repaired within that time, Seller shall deliver releases or waivers of construction liens executed by all 

416 general contractors, subcontractors, suppliers and materialmen in addition to Seller’s lien affidavit setting forth 

417 names of all such general contractors, subcontractors, suppliers and materialmen, further affirming that all charges 

418 for improvements or repairs which could serve as a basis for a construction lien or a claim for damages have been 

419 paid or will be paid at Closing. 

420 F. TIME: Calendar days shall be used in computing time periods. Time is of the essence in this Contract. Other 

421 than time for acceptance and Effective Date as set forth in Paragraph 3, any time periods provided for or dates 

422 specified in this Contract, whether preprinted, handwritten, typewritten or inserted herein, which shall end or occur 

423 on a Saturday, Sunday, or a national legal holiday (see 5 U.S.C. 6103) shall extend to 5:00 p.m. (where the Property 

424 is located) of the next business day. 

425 G. FORCE MAJEURE: Buyer or Seller shall not be required to perform any obligation under this Contract or be 

426 liable to each other for damages so long as performance or non-performance of the obligation, or the availability of 

427 services, insurance or required approvals essential to Closing, is disrupted, delayed, caused or prevented by Force 

428 Majeure. “Force Majeure” means: hurricanes, floods, extreme weather, earthquakes, fire, or other acts of God, 

429 unusual transportation delays, or wars, insurrections, or acts of terrorism, which, by exercise of reasonable diligent 

430 effort, the non-performing party is unable in whole or in part to prevent or overcome. All time periods, including 

431 Closing Date, will be extended a reasonable time up to 7 days after the Force Majeure no longer prevents 

432 performance under this Contract, provided, however, if such Force Majeure continues to prevent performance under 

433 this Contract more than 30 days beyond Closing Date, then either party may terminate this Contract by delivering 

434 written notice to the other and the Deposit shall be refunded to Buyer, thereby releasing Buyer and Seller from all 

435 further obligations under this Contract. 

436 H. CONVEYANCE: Seller shall convey marketable title to the Real Property by statutory warranty, trustee’s, 

437 personal representative’s, or guardian’s deed, as appropriate to the status of Seller, subject only to matters 

438 described in STANDARD A and those accepted by Buyer. Personal Property shall, at request of Buyer, be 

This software is licensed to [Kimberley Beaudry - ORLANDO REGIONAL REALTY] www.transactiondesk.com.

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439 transferred by absolute bill of sale with warranty of title, subject only to such matters as may be provided for in this 

440 Contract. 

441 I. CLOSING LOCATION; DOCUMENTS; AND PROCEDURE:

442 (i) LOCATION: Closing will be conducted by the attorney or other closing agent (“Closing Agent”) designated by 

443 the party paying for the owner’s policy of title insurance and will take place in the county where the Real Property 

444 is located at the office of the Closing Agent, or at such other location agreed to by the parties. If there is no title 

445 insurance, Seller will designate Closing Agent. Closing may be conducted by mail, overnight courier, or electronic 

446 means. 

447 (ii) CLOSING DOCUMENTS: Seller shall at or prior to Closing, execute and deliver, as applicable, deed, bill of 

448 sale, certificate(s) of title or other documents necessary to transfer title to the Property, construction lien affidavit(s), 

449 owner’s possession and no lien affidavit(s), and assignment(s) of leases. Seller shall provide Buyer with paid 

450 receipts for all work done on the Property pursuant to this Contract. Buyer shall furnish and pay for, as applicable, 

451 the survey, flood elevation certification, and documents required by Buyer’s lender. 

452 (iii) FinCEN GTO NOTICE. If Closing Agent is required to comply with the U.S. Treasury Department’s 

453 Financial Crimes Enforcement Network (“FinCEN”) Geographic Targeting Orders (“GTOs”), then Buyer 

454 shall provide Closing Agent with the information related to Buyer and the transaction contemplated by this 

455 Contract that is required to complete IRS Form 8300, and Buyer consents to Closing Agent’s collection and 

456 report of said information to IRS.

457 (iv) PROCEDURE: The deed shall be recorded upon COLLECTION of all closing funds. If the Title Commitment 

458 provides insurance against adverse matters pursuant to Section 627.7841, F.S., as amended, the escrow closing 

459 procedure required by STANDARD J shall be waived, and Closing Agent shall, subject to COLLECTION of all 

460 closing funds, disburse at Closing the brokerage fees to Broker and the net sale proceeds to Seller. 

461 J. ESCROW CLOSING PROCEDURE: If Title Commitment issued pursuant to Paragraph 9(c) does not provide 

462 for insurance against adverse matters as permitted under Section 627.7841, F.S., as amended, the following 

463 escrow and closing procedures shall apply: (1) all Closing proceeds shall be held in escrow by the Closing Agent 

464 for a period of not more than 10 days after Closing; (2) if Seller’s title is rendered unmarketable, through no fault of 

465 Buyer, Buyer shall, within the 10 day period, notify Seller in writing of the defect and Seller shall have 30 days from 

466 date of receipt of such notification to cure the defect; (3) if Seller fails to timely cure the defect, the Deposit and all 

467 Closing funds paid by Buyer shall, within 5 days after written demand by Buyer, be refunded to Buyer and, 

468 simultaneously with such repayment, Buyer shall return the Personal Property, vacate the Real Property and re469 convey the Property to Seller by special warranty deed and bill of sale; and (4) if Buyer fails to make timely demand 

470 for refund of the Deposit, Buyer shall take title as is, waiving all rights against Seller as to any intervening defect 

471 except as may be available to Buyer by virtue of warranties contained in the deed or bill of sale. 

472 K. PRORATIONS; CREDITS: The following recurring items will be made current (if applicable) and prorated as of 

473 the day prior to Closing Date, or date of occupancy if occupancy occurs before Closing Date: real estate taxes 

474 (including special benefit tax assessments imposed by a CDD), interest, bonds, association fees, insurance, rents 

475 and other expenses of Property. Buyer shall have option of taking over existing policies of insurance, if assumable, 

476 in which event premiums shall be prorated. Cash at Closing shall be increased or decreased as may be required 

477 by prorations to be made through day prior to Closing. Advance rent and security deposits, if any, will be credited 

478 to Buyer. Escrow deposits held by Seller’s mortgagee will be paid to Seller. Taxes shall be prorated based on 

479 current year’s tax. If Closing occurs on a date when current year’s millage is not fixed but current year’s assessment 

480 is available, taxes will be prorated based upon such assessment and prior year’s millage. If current year’s 

481 assessment is not available, then taxes will be prorated on prior year’s tax. If there are completed improvements 

on the Real Property by January 1st of year of Closing, which improvements were not in existence on January 1st 482 

483 of prior year, then taxes shall be prorated based upon prior year’s millage and at an equitable assessment to be 

484 agreed upon between the parties, failing which, request shall be made to the County Property Appraiser for an 

485 informal assessment taking into account available exemptions. In all cases, due allowance shall be made for the 

486 maximum allowable discounts and applicable homestead and other exemptions. A tax proration based on an 

487 estimate shall, at either party’s request, be readjusted upon receipt of current year’s tax bill. This STANDARD K 

488 shall survive Closing. 

489 L. ACCESS TO PROPERTY TO CONDUCT APPRAISALS, INSPECTIONS, AND WALK-THROUGH: Seller 

490 shall, upon reasonable notice, provide utilities service and access to Property for appraisals and inspections, 

491 including a walk-through (or follow-up walk-through if necessary) prior to Closing. 

492 M. RISK OF LOSS: If, after Effective Date, but before Closing, Property is damaged by fire or other casualty 

493 (“Casualty Loss”) and cost of restoration (which shall include cost of pruning or removing damaged trees) does not 

494 exceed 1.5% of Purchase Price, cost of restoration shall be an obligation of Seller and Closing shall proceed 

495 pursuant to terms of this Contract. If restoration is not completed as of Closing, a sum equal to 125% of estimated 

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Document Page 14 of 22
STANDARDS FOR REAL ESTATE TRANSACTIONS (“STANDARDS”) CONTINUED

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496 cost to complete restoration (not to exceed 1.5% of Purchase Price) will be escrowed at Closing. If actual cost of 

497 restoration exceeds escrowed amount, Seller shall pay such actual costs (but, not in excess of 1.5% of Purchase 

498 Price). Any unused portion of escrowed amount shall be returned to Seller. If cost of restoration exceeds 1.5% of 

499 Purchase Price, Buyer shall elect to either take Property “as is” together with the 1.5%, or receive a refund of the 

500 Deposit thereby releasing Buyer and Seller from all further obligations under this Contract. Seller’s sole obligation 

501 with respect to tree damage by casualty or other natural occurrence shall be cost of pruning or removal. 

502 N. 1031 EXCHANGE: If either Seller or Buyer wish to enter into a like-kind exchange (either simultaneously with 

503 Closing or deferred) under Section 1031 of the Internal Revenue Code (“Exchange”), the other party shall cooperate 

504 in all reasonable respects to effectuate the Exchange, including execution of documents; provided, however, 

505 cooperating party shall incur no liability or expense related to the Exchange, and Closing shall not be contingent 

506 upon, nor extended or delayed by, such Exchange. 

507 O. CONTRACT NOT RECORDABLE; PERSONS BOUND; NOTICE; DELIVERY; COPIES; CONTRACT 

508 EXECUTION: Neither this Contract nor any notice of it shall be recorded in any public records. This Contract shall 

509 be binding on, and inure to the benefit of, the parties and their respective heirs or successors in interest. Whenever 

510 the context permits, singular shall include plural and one gender shall include all. Notice and delivery given by or to 

511 the attorney or broker (including such broker’s real estate licensee) representing any party shall be as effective as 

512 if given by or to that party. All notices must be in writing and may be made by mail, personal delivery or electronic 

513 (including “pdf”) media. A facsimile or electronic (including “pdf”) copy of this Contract and any signatures hereon 

514 shall be considered for all purposes as an original. This Contract may be executed by use of electronic signatures, 

515 as determined by Florida’s Electronic Signature Act and other applicable laws. 

516 P. INTEGRATION; MODIFICATION: This Contract contains the full and complete understanding and agreement 

517 of Buyer and Seller with respect to the transaction contemplated by this Contract and no prior agreements or 

518 representations shall be binding upon Buyer or Seller unless included in this Contract. No modification to or change 

519 in this Contract shall be valid or binding upon Buyer or Seller unless in writing and executed by the parties intended 

520 to be bound by it. 

521 Q. WAIVER: Failure of Buyer or Seller to insist on compliance with, or strict performance of, any provision of this 

522 Contract, or to take advantage of any right under this Contract, shall not constitute a waiver of other provisions or 

523 rights. 

524 R. RIDERS; ADDENDA; TYPEWRITTEN OR HANDWRITTEN PROVISIONS: Riders, addenda, and typewritten 

525 or handwritten provisions shall control all printed provisions of this Contract in conflict with them. 

526 S. COLLECTION or COLLECTED: “COLLECTION” or “COLLECTED” means any checks tendered or 

527 received, including Deposits, have become actually and finally collected and deposited in the account of 

528 Escrow Agent or Closing Agent. Closing and disbursement of funds and delivery of closing documents 

529 may be delayed by Closing Agent until such amounts have been COLLECTED in Closing Agent’s accounts.

530 T. RESERVED.

531 U. APPLICABLE LAW AND VENUE: This Contract shall be construed in accordance with the laws of the State 

532 of Florida and venue for resolution of all disputes, whether by mediation, arbitration or litigation, shall lie in the 

533 county where the Real Property is located. 

534 V. FIRPTA TAX WITHHOLDING: If a seller of U.S. real property is a “foreign person” as defined by FIRPTA, 

535 Section 1445 of the Internal Revenue Code (“Code”) requires the buyer of the real property to withhold up to 15% 

536 of the amount realized by the seller on the transfer and remit the withheld amount to the Internal Revenue Service 

537 (IRS) unless an exemption to the required withholding applies or the seller has obtained a Withholding Certificate 

538 from the IRS authorizing a reduced amount of withholding. 

539 (i) No withholding is required under Section 1445 of the Code if the Seller is not a “foreign person”. Seller can 

540 provide proof of non-foreign status to Buyer by delivery of written certification signed under penalties of perjury, 

541 stating that Seller is not a foreign person and containing Seller’s name, U.S. taxpayer identification number and 

542 home address (or office address, in the case of an entity), as provided for in 26 CFR 1.1445-2(b). Otherwise, Buyer 

543 shall withhold the applicable percentage of the amount realized by Seller on the transfer and timely remit said funds 

544 to the IRS. 

545 (ii) If Seller is a foreign person and has received a Withholding Certificate from the IRS which provides for reduced 

546 or eliminated withholding in this transaction and provides same to Buyer by Closing, then Buyer shall withhold the 

547 reduced sum required, if any, and timely remit said funds to the IRS. 

548 (iii) If prior to Closing Seller has submitted a completed application to the IRS for a Withholding Certificate and has 

549 provided to Buyer the notice required by 26 CFR 1.1445-1(c) (2)(i)(B) but no Withholding Certificate has been 

550 received as of Closing, Buyer shall, at Closing, withhold the applicable percentage of the amount realized by Seller 

551 on the transfer and, at Buyer’s option, either (a) timely remit the withheld funds to the IRS or (b) place the funds in 

552 escrow, at Seller’s expense, with an escrow agent selected by Buyer and pursuant to terms negotiated by the 

This software is licensed to [Kimberley Beaudry - ORLANDO REGIONAL REALTY] www.transactiondesk.com.

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Case 20-31700-KLP Doc 70 Filed 05/26/21 Entered 05/26/21 15:57:11 Desc Main

Document Page 15 of 22
STANDARDS FOR REAL ESTATE TRANSACTIONS (“STANDARDS”) CONTINUED

Buyer’s Initials _________ __________ Page 11 of 12 Seller’s Initials __________ __________ 

FloridaRealtors/FloridaBar-ASIS-5x Rev.6/19 © 2017 Florida Realtors® and The Florida Bar. All rights reserved. 

553 parties, to be subsequently disbursed in accordance with the Withholding Certificate issued by the IRS or remitted 

554 directly to the IRS if the Seller’s application is rejected or upon terms set forth in the escrow agreement. 

555 (iv) In the event the net proceeds due Seller are not sufficient to meet the withholding requirement(s) in this 

556 transaction, Seller shall deliver to Buyer, at Closing, the additional COLLECTED funds necessary to satisfy the 

557 applicable requirement and thereafter Buyer shall timely remit said funds to the IRS or escrow the funds for 

558 disbursement in accordance with the final determination of the IRS, as applicable. 

559 (v) Upon remitting funds to the IRS pursuant to this STANDARD, Buyer shall provide Seller copies of IRS Forms 

560 8288 and 8288-A, as filed. 

561 W. RESERVED 

562 X. BUYER WAIVER OF CLAIMS: To the extent permitted by law, Buyer waives any claims against Seller 

563 and against any real estate licensee involved in the negotiation of this Contract for any damage or defects 

564 pertaining to the physical condition of the Property that may exist at Closing of this Contract and be

565 subsequently discovered by the Buyer or anyone claiming by, through, under or against the Buyer. This 

566 provision does not relieve Seller’s obligation to comply with Paragraph 10(j). This Standard X shall survive 

567 Closing. 

568 ADDENDA AND ADDITIONAL TERMS

569 19. ADDENDA: The following additional terms are included in the attached addenda or riders and incorporated into this 

570 Contract (Check if applicable): 

571 20. ADDITIONAL TERMS:

572 

573 

574 

575 

576 

577 

578 

579 

580 

581 

582 

583 

584 

585 

586 

587 

588 COUNTER-OFFER/REJECTION

589 Seller counters Buyer’s offer (to accept the counter-offer, Buyer must sign or initial the counter-offered terms and 

590 deliver a copy of the acceptance to Seller). 

591 Seller rejects Buyer’s offer. 

 A. Condominium Rider

 B. Homeowners’ Assn.

 C. Seller Financing

 D. Mortgage Assumption

 E. FHA/VA Financing

 F. Appraisal Contingency

 G. Short Sale

 H. Homeowners/Flood Ins. 

 I. RESERVED 

 J. Interest-Bearing Acct.

 K. RESERVED

 L. RESERVED

 M. Defective Drywall

 N. Coastal Construction Control 

Line

 O. Insulation Disclosure

 P. Lead Paint Disclosure (Pre-1978)

 Q. Housing for Older Persons

 R. Rezoning

 S. Lease Purchase/ Lease Option

 T. Pre-Closing Occupancy

 U. Post-Closing Occupancy

 V. Sale of Buyer’s Property

 W. Back-up Contract

 X. Kick-out Clause

 Y. Seller’s Attorney Approval

 Z. Buyer’s Attorney Approval

 AA. Licensee Property Interest

 BB. Binding Arbitration 

 CC. Miami-Dade County 

Special Taxing District 

Disclosure 

Other:

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✘

✘

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Case 20-31700-KLP Doc 70 Filed 05/26/21 Entered 05/26/21 15:57:11 Desc Main

Document Page 16 of 22
Buyer’s Initials _________ __________ Page 12 of 12 Seller’s Initials __________ __________ 

FloridaRealtors/FloridaBar-ASIS-5x Rev.6/19 © 2017 Florida Realtors® and The Florida Bar. All rights reserved. 

592 THIS IS INTENDED TO BE A LEGALLY BINDING CONTRACT. IF NOT FULLY UNDERSTOOD, SEEK THE 

593 ADVICE OF AN ATTORNEY PRIOR TO SIGNING. 

594 THIS FORM HAS BEEN APPROVED BY THE FLORIDA REALTORS AND THE FLORIDA BAR.

595 Approval of this form by the Florida Realtors and The Florida Bar does not constitute an opinion that any of the 

596 terms and conditions in this Contract should be accepted by the parties in a particular transaction. Terms and 

597 conditions should be negotiated based upon the respective interests, objectives and bargaining positions of all 

598 interested persons. 

599 AN ASTERISK (*) FOLLOWING A LINE NUMBER IN THE MARGIN INDICATES THE LINE CONTAINS A BLANK 

600 TO BE COMPLETED. 

601 Buyer: Date: 

602 Buyer: Date: 

603 Seller: Date: 

604 Seller: Date: 

605 Buyer’s address for purposes of notice Seller’s address for purposes of notice 

606 ___________________________________________ ____________________________________________ 

607 ___________________________________________ ____________________________________________ 

608 ___________________________________________ ____________________________________________ 

609 BROKER: Listing and Cooperating Brokers, if any, named below (collectively, “Broker”), are the only Brokers 

610 entitled to compensation in connection with this Contract. Instruction to Closing Agent: Seller and Buyer direct 

611 Closing Agent to disburse at Closing the full amount of the brokerage fees as specified in separate brokerage 

612 agreements with the parties and cooperative agreements between the Brokers, except to the extent Broker has 

613 retained such fees from the escrowed funds. This Contract shall not modify any MLS or other offer of compensation 

614 made by Seller or Listing Broker to Cooperating Brokers. 

615 ___________________________________________ __________________________________________ 

616 Cooperating Sales Associate, if any Listing Sales Associate

617 ___________________________________________ __________________________________________ 

618 Cooperating Broker, if any Listing Broker 

This software is licensed to [Kimberley Beaudry - ORLANDO REGIONAL REALTY] www.transactiondesk.com.

Sabina Chawla

JOSEPH A NICOTERA

Caroline M Nicotera

Kimberley Beaudry

ORLANDO REGIONAL REALTY

Jane LaFrance

XCELLENCE REALTY INC

Satpreet Singh

Authentisign ID: 352F60D0-AF2A-4A90-BE48-F5B922F55750

JAN

05/24/2021

CN

05/24/2021

Case 20-31700-KLP Doc 70 Filed 05/26/21 Entered 05/26/21 15:57:11 Desc Main

Document Page 17 of 22
ACSP-4 Rev 6/17 © 2017 Florida \Realtors®

Addendum to Contract

Addendum No. ______ to the Contract with the Effective Date of ____________________ between

__________________________________________________________________________________________ (Seller)

and _______________________________________________________________________________________ (Buyer)

concerning the property described as: __________________________________________________________________

_________________________________________________________________________________________________

(the “Contract”). Seller and Buyer make the following terms and conditions part of the Contract:

Buyer: __________________________________________________ Date: ___________________________

Buyer: __________________________________________________ Date: ___________________________

Seller: __________________________________________________ Date: ___________________________

Seller: __________________________________________________ Date: ___________________________

A 5/24/2021

JOSEPH A NICOTERA Caroline M Nicotera

Sabina Chawla

7671 OTTERSPOOL ST KISSIMMEE FL 34747

WINDSOR HILLS PHASE TWO PB 16 PGS 86-89 BLDG 7 LOT 6

All Furnishings and Household goods shown in MLS O5946135 (except as noted in Schedule A) are to

be transferred for the convenience of the Buyer at Closing. No cash value is given to the items.

All other terms and conditions shall remain the same.

Sabina Chawla

JOSEPH A NICOTERA

Caroline M Nicotera

This software is licensed to [Kimberley Beaudry - ORLANDO REGIONAL REALTY] www.transactiondesk.com.

Satpreet Singh

Satpreet Singh

Authentisign ID: 352F60D0-AF2A-4A90-BE48-F5B922F55750

05/24/2021

05/24/2021

Case 20-31700-KLP Doc 70 Filed 05/26/21 Entered 05/26/21 15:57:11 Desc Main

Document Page 18 of 22
Page 1 of 1 F. APPRAISAL CONTINGENCY

CR-5x Rev. 6/19 © 2015 Florida Realtors® and The Florida Bar. All rights reserved.

Comprehensive Rider to the 

Residential Contract For Sale And Purchase 

THIS FORM HAS BEEN APPROVED BY THE FLORIDA REALTORS AND THE FLORIDA BAR

If initialed by all parties, the clauses below will be incorporated into the Florida Realtors®/Florida Bar Residential Contract 

For Sale And Purchase between (SELLER) 

and (BUYER) 

concerning the Property described as 

Buyer’s Initials ___________ ___________ Seller’s Initials ___________ __________ 

F. APPRAISAL CONTINGENCY 

This Contract is contingent upon Buyer obtaining, at Buyer’s expense, a written appraisal from a licensed Florida 

appraiser, on or before __________________________ (if left blank, then at least ten (10) days prior to Closing), stating 

that the appraised value of the Property is at least $_______________ (if left blank, the Purchase Price). If the appraisal 

states that the appraised value of the Property is less than the above value, Buyer shall deliver a copy of such appraisal to 

Seller within 3 days after the above date and deliver written notice to Seller, either: a) terminating this Contract in which 

event the Deposit paid shall be refunded to Buyer, thereby releasing Buyer and Seller from all further obligations under 

this Contract; or b) waiving and removing this contingency and continuing with this Contract without regard to the 

appraised value of the Property, except as provided in Paragraph 8(b) if it is checked. 

If Buyer fails to timely obtain an appraisal, or having timely obtained such appraisal fails to timely deliver notice of Buyer’s 

exercise of the right to terminate granted above, this contingency shall be waived and removed, and Buyer shall continue 

with this Contract, without waiving any of Buyer’s rights in Paragraph 8(b) if it is checked. 

JOSEPH A NICOTERA Caroline M Nicotera

Sabina Chawla

7671 OTTERSPOOL ST

KISSIMMEE FL 34747

275,000.00

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Case 20-31700-KLP Doc 70 Filed 05/26/21 Entered 05/26/21 15:57:11 Desc Main

Document Page 19 of 22
 Label Matrix for local noticing Community Loan Servicing, LLC FKA Bayview Lo U.S. BANK NATIONAL ASSOCIATION 

 0422-3 8100 Three Chopt Rd. 14841 DALLAS PKWY SUITE 425 

 Case 20-31700-KLP Suite 240 Dallas, TX 75254-8067 

 Eastern District of Virginia Richmond, VA 23229-4833 

 Richmond 

 Wed May 26 15:54:49 EDT 2021 

 U.S. Bank National Association UST smg Richmond Virginia Partners Bank 

 BWW Law Group, LLC Office of the U. S. Trustee PO Box 8029 

 8100 Three Chopt Rd, Suite 240 701 East Broad St., Suite 4304 Fredericksburg, VA 22404-8029 

 Richmond, VA 23229-4833 Richmond, VA 23219-1849 

 

 United States Bankruptcy Court AES/FED Aura Zelada 

 701 East Broad Street PO Box 2461 1631 East Vine St. Ste. 300 

 Richmond, VA 23219-1888 Harrisburg, PA 17105-2461 Kissimmee, FL 34744-3710 

 Bank of America C. Conrad c/o Jason Pelt Cavalry Portfolio Services 

 Attn: Bankruptcy 2052 Jefferson Davis Highway 500 Summit Lake 

 P.O. 982284 Suite 201 Suite 400 

 El Paso, TX 79998-2284 Stafford, VA 22554-7286 Valhalla, NY 10595-2322 

 Cavalry SPV I, LLC Commonwealth of Virginia Community Loan Servicing, LLC fka 

 500 Summit Lake Drive, Ste 400 Department of Taxation Bayview Loan Servicing, LLC 

 Valhalla, NY 10595-2321 PO Box 2156 4425 Ponce de Leon Blvd, 5th Floor 

 Richmond, VA 23218-2156 Coral Gables, FL 33146-1837 

 David Murphy Don Southern ECMC 

 40 Carousel Dr. c/o Goodall, Pelt, Carper PO BOX 16408 

 Portland, CT 06480-1257 1259 Courthouse Road ST. PAUL, MN 55116-0408 

 Stafford, VA 22554-7124 

 ECMC Group EduCap Inc. EduCap, INC. - Loan to Learn 

 Attn: Bankruptcy Attn: Bankruptcy Firstmark Services 

 111 Washington Ave South, Ste 1400 PO Box 82522 PO Box 82522 

 Minneapolis, MN 55401-6800 Lincoln, NE 68501-2522 Lincoln, NE 68501-2522 

 Fredericksburg Emergency Med Internal Revenue Service John A. Nere, Jr., P.C. 

 1001 Sam Perry Blvd Centralized Insolvency Operati 806 Princess Anne St. 

 Fredericksburg, VA 22401-4453 P. O. Box 7346 Fredericksburg, VA 22401-5820 

 Philadelphia, PA 19101-7346 

 Kevin Fitzsimmons Martin C. Conway Mary Washington Hospital 

 11 Wheelwright LN 12934 Hardbor Dr. Ste. 107 1001 Sam Perry Blvd 

 Stafford, VA 22554-8833 Woodbridge, VA 22192-2930 Fredericksburg, VA 22401-4453 

 OneMain Financial Pentagon Federal Cr Un Pentagon Federal Credit Union 

 Attn: Bankruptcy 2930 Eisenhower Ave 4875 Preston Road 

 Po Box 3251 Alexandria, VA 22314-4557 Frisco, TX 75034-8523 

 Evansville, IN 47731-3251 

Case 20-31700-KLP Doc 70 Filed 05/26/21 Entered 05/26/21 15:57:11 Desc Main

Document Page 20 of 22
 (p)PENTAGON FEDERAL CREDIT UNION Pentagon Federal Credit Union Quantum3 Group LLC as agent for 

 ATTN BANKRUPTCY DEPARTMENT RA Rogers Inc Velocity Investments LLC 

 P O BOX 1432 PO Box 3302 PO Box 788 

 ALEXANDRIA VA 22313-1432 Crofton, MD 21114-0302 Kirkland, WA 98083-0788 

 

 Quantum3 Group, LLC Rafael Rivera Shane A. Sims 

 PO Box 788 6114 Dory Landing Court PO Box 7166 

 Kirkland, WA 98083-0788 Burke, VA 22015-2506 Fredericksburg, VA 22404-7166 

 Sharon Stuart, Esquire Southwest Credit Systems Spotsylvania County Treasurer 

 8002 Discovery Drive, Ste. 422 4120 International Parkway 9104 Courthouse Rd 

 Henrico, VA 23229-8601 Suite 1100 Spotsylvania, VA 22553-1902 

 Carrollton, TX 75007-1958 

 Spotsylvania County Treasurer’s Office (p)US BANK US Attorneys Office 

 P.O. Box 100 PO BOX 5229 Eastern District of Virginia 

 Spotsylvania, VA 22553-0100 CINCINNATI OH 45201-5229 919 E Main St., Ste. 1900 

 Richmond, VA 23219-4625 

 US Bank Home Mortgage US Department of Education USAA Federal Savings Bank 

 4801 Frederica St. PO Box 105028 Attn: Bankruptcy 

 Owensboro, KY 42301-7441 National Payment Center 10750 Mcdermott Freeway 

 Atlanta, GA 30348-5028 San Antonio, TX 78288-1600 

 USAA Federal Savings Bank Verizon Victor and Barbara Ellenfield 

 Robertson, Anschutz, Schneid & Crane LLC by American InfoSource as agent 1025 Potomac Drive 

 10700 Abbotts Bridge Road, Suite 170 4515 N Santa Fe Ave Stafford, VA 22554-2103 

 Duluth, GA 30097-8461 Oklahoma City, OK 73118-7901 

 Virginia Department of Taxatio Virginia Partners Bank Virginia Partners Bank 

 PO Box 2369 410 William Street John A. Nere, Jr. 

 Richmond, VA 23218-2369 Fredericksburg, VA 22401-5834 806 Princess Anne Street 

 Fredericksburg, VA 22401-5820 

 Virginia Partners Credit Union Vistas at Windsor Hills Townho Windsor Hills Master Community 

 Po Box 8029 1631 East Vine St. Ste. 300 1631 East Vine St., Ste. 300 

 Fredericksburg, VA 22404-8029 Kissimmee, FL 34744-3710 Kissimmee, FL 34744-3710 

 Carolyn Marie Nicotera James E. Kane John P. Fitzgerald, III 

 1415 Heatherstone Drive Kane & Papa, PC Office of the US Trustee - Region 4 -R 

 Fredericksburg, VA 22407-4834 1313 East Cary Street 701 E. Broad Street, Ste. 4304 

 P.O. Box 508 Richmond, VA 23219-1849 

 Richmond, VA 23218-0508 

 

 Joseph Anthony Nicotera Suzanne E. Wade 

 1415 Heatherstone Drive 341 Dial 877-996-8484 Code 2385911 

 Fredericksburg, VA 22407-4834 7202 Glen Forest Drive, Ste. 202 

 Richmond, VA 23226-3770 

Case 20-31700-KLP Doc 70 Filed 05/26/21 Entered 05/26/21 15:57:11 Desc Main

Document Page 21 of 22
 

 The preferred mailing address (p) above has been substituted for the following entity/entities as so specified 

 by said entity/entities in a Notice of Address filed pursuant to 11 U.S.C. 342(f) and Fed.R.Bank.P. 2002 (g)(4). 

 Pentagon Federal Credit Union U.S. Bank National Association 

 Attn: Bankruptcy c/o U.S. Bank Home Mortgage, 

 Po Box 1432 a division of U.S. Bank N.A. 

 Alexandria, VA 22313-0000 4801 Frederica Street 

 Owensboro, Kentucky 42301 

 

 The following recipients may be/have been bypassed for notice due to an undeliverable (u) or duplicate (d) address. 

 (u)Pentagon Federal Credit Union (d)USAA Federal Savings Bank End of Label Matrix 

 Attn: Bankruptcy Mailable recipients 58 

 10750 Mcdermott Freeway Bypassed recipients 2 

 San Antonio,, TX 78288-1600 Total 60 

Case 20-31700-KLP Doc 70 Filed 05/26/21 Entered 05/26/21 15:57:11 Desc Main

Document Page 22 of 22