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HomeMy WebLinkAboutMiscellaneous - 101 HERRICK ROAD 4/30/2018I i r- North Andover Board of Assessors Public Access NORTh �1 SgACHUSt Click Seal To Return Search for Parcels Search for Sales Summary Residence Detached Structure Condo Commercial 4 ,'- � `4 { ' �'► 4 .. it �, � ., 4 Page 1 of 1 roperty Record Card Location: 101 HERRICK ROAD Owner Name: TIERNEY, STEVEN D GAIL C TIERNEY Owner Address: 101 HERRICK ROAD City: NORTH ANDOVER State: MA Zip: 01845 Neighborhood: 5 - 5 Land Area: 0.21 acres Use Code: 101-SNGL-FAM-RES Total Finished Area: 1618 sqft ASSESSMENTS CURRENT YEAR PREVIOUS YEAR Total Value: 313,000 313,000 Building Value: 137,300 137,300 Land Value: 175,700 175,700 Market and Value: 175,700 Chapter Land Value: http://csc-ma.us/PROPAPP/display.do?linkId=1457935&town=NandoverPubAcc 7/28/2009 I M Sawyer, Susan From: Sawyer, Susan Sent: Wednesday, August 19, 2009 10:51 AM To: 'Rozzi, Kate (HOU)' Subject: RE: 101 Herrick Rd Attachments: 101 Herrick Road 7 30 09.doc Kate, Here is an unsigned version of a complaint response for this address from the file. I believe the NA Bldg inspector also went and found no violations warranting follow up. Please call me Susan From: Rozzi, Kate (HOU) [ma ilto: Kate. Rozzi@state. ma.us] Sent: Monday, August 17, 2009 11:18 AM To: Sawyer, Susan Subject: RE: 101 Herrick Rd I understand and thank you for looking into this. I'm not sure what can be done but would appreciate any help or suggestions. Kate From: Sawyer, Susan [mailto:ssawyer@townofnorthandover.com] Sent: Mon 8/17/2009 11:06 AM To: 'Rozzi, Kate (HOU)' Subject: RE: 101 Herrick Rd Hello Kate, Let me check into this one and get back to you. Abandoned homes are a very common thing these days. Susan Sawyer Health Director From: Rozzi, Kate (HOU) [mailto: Kate. Rozzi@state. ma. us] Sent: Monday, August 17, 2009 10:54 AM To: Sawyer, Susan Subject: 101 Herrick Rd Good Morning, We've heard from some constituents regarding a house at 101 Herrick Rd that has been vacant for a number of months. There is concern about the conditions of the house, animals, mold etc. Is there anything the B of H can do to make the owner/bank maintain the property? Thanks Kate Kate Rozzi District Director �Office of Representative David Torrisi District # (978)943-6085 ft �I PUBLIC HEALTH DEPARTMENT (ommunity Development Division James Crane 25 Edmunds Road North Andover, MA 01845 August 3, 2009 Re: complaint — 10 1 Herrick Road Dear Mr. Crane, This letter is in response to your written complaint about the conditions at the address listed above. An onsite inspection was conducted on Friday, July 31, 2009, by Health Department personnel. In relation to your concerns, the following was noted. 1) Roof covered by a tarp —The Health Department has no jurisdiction regarding roof types and can only assume it is in place to assist in keeping the interior of the property safe. 2) Rats — visual inspections of the area around the home found no indications of rat infestation. No burrow holes, feces or other indicators were observed. The Town of North Andover currently does not have an anti -blight regulation that addresses these types of situations; however we are very aware of the many concerns of unoccupied homes. Keeping them secure from unlawful entry and protecting the public from other associated hazards inherent with unoccupied properties are very much a concern to the town. We appreciate you noting this property and we will continue to monitor it as we are on our regular duties about town. Thank you for your concern in public health. Sincerely, Susan Sawyer, REHS/RS Public Health Director 1600 Osgood Street, North Andover, Massachusetts 01845 Phone 918.688.9540 Fax 918.688.8416 Web www.townofnorthandover.com DelleChiaie, Pamela From: DelleChiaie, Pamela Sent: Tuesday, July 28, 2009 3:10 PM To: Sawyer, Susan; Brown, Gerald Subject: FW: 101 Herrick Road, North Andover, MA Hi, In the event any letters need to be sent re: condition of this property, below are the proper addresses to send them to. Gerry, Susan was going to do a drive by to see if any further action is necessary. Please let her know if Brian made any determination. Thank you. Pam From: Barbara Shafii [mailto:BShafii@Newdayyes.com] Sent: Tuesday, July 28, 2009 3:02 PM To: DelleChiaie, Pamela Cc: Paul Alger Subject: 101 Herrick Road, North Andover, MA Your email to New Day Financial, LLC concerning the above referenced property has been forwarded to my attention for handling. Our records reflect that we originated a first and second lien mortgage loan in april of 2007. Both loans were sold in 2007 to the following: ➢ First Lien was sold to HSBC Mortgage Corporation, P.O. Box 4552, Buffalo, New York 14240-8851. Phone is 800 338 4626 ➢ Second Lien was sold to GMAC Mortgage LLC, 6716 Grade Lane Building 9, Suite 910, Louisville, KY 40213. Phone 800 766 4622 earl Tracking: 10 ,m Cl: � Uj O¢ O Z0: CCC z . W W 0 Q N 1 14 HEALTH DEPARTMENT Complaint/Investigation Intake Report - Taken bw RECEIVED JUL 2 8 2009 TOWN OF NORTH ANDOVER HEALTH DEPARTMENT Date of Report: 7 2=2'-b-02 ;Time: oc eO ►r i Category/Type of Complaint: ; Address/Location of Incident: Lt N cr, t Na"�r . R. Phone Number. (H) or (W). 25 EDMANDS ROAD --- --_ —4— NO. N0. ANDOVER,_MA _01845 _ ! Phone Number: (Cell): Name of Alleged Violator: Phone Number of Alleged Violator: Complaint Details IZ-0 -- ..�,� �i/�1�-meq--� � �"d � (�`y✓ �ly�-'�Q 7� Recommended corrective action to betaken: Immediate corrective action to be taken: 11� _ R�, 1 q"' e To be Investigated by: Title: . Date Scheduled for Investigation: �i Date Submitted for Data Entry:— i Date --- i_ Entered: - – MS, LLC P.O. BOX 10550 McLEAN, VA 22102-8550 Retum Tol -800-480-7161 LLC IvTl Mme+ -s;- joZ..Slvd, Suite 300 NP -2020 Prepared By: CATHY SELLERS 81.71 Maple Lawn Blvd, Suite 300 Ftal.tcn, MD 20759 (877) 423-1297 E&.1297 Loan No.: 05072637971A ©oc : 93 s 9131 04-04-2007 S z 40 Essex Wk Lead Cowt Rnistra ORTGAG MIN.: 100343000433146937 THIS MORTGAGE is made this 21st day of March, 2007 , between the Mortgagor, TIERNEY AMID GAILC NEY, HUSE3W AMID WIFE TMMM BY 'TEE RMRETY yv.-k- oa t -U -k.�-�o"� (herein "Borrower"), and the Mortgagee, New Day Financial, LLC a corporation organized and existing under the laws of DELMPM , whose address is 8171 Maple Lawn Blvd, Suite 300, Fulton, MD 20759 (herein "Lender"), and Mortgage Electronic Registration Systems, Inc. (herein 'MERS-), a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgagee under this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. WHEREAS, Borrower is indebted to Lender in the principal sum of U.S. $ 35,000-00 , which indebtedness is evidenced by Borrower's note dated March 21, 2007 and extensions and renewals thereof (herein "Note"), providing for monthly installments of principal and interest, with the balance of the indebtedness, if not sooner paid, due and payable on March 27, 2032 The mortgagee of this Security Instrument is MERS (solely as nominee for Lender and Lender's successors and assigns) and the successors and assigns of MERS. TO SECURE to Lender the repayment of the indebtedness evidenced by the Note, with interest thereon; the payment of all other sums, with interest thereon, advanced in accordance herewith to protect the security of this Mortgage; and the performance of the covenants and agreements of Borrower herein contained, Borrower does hereby mortgage, grant and convey to Lender, with power of sale, the following described property located in the County of ESSEX , State of Massachusetts: Parcel IDNo.: 210-020-0-0040-0000.0 SEE LEmL DE=PTICN ATTp,C M HEREM AND MADE A PART HERDOF. which has the address of 101 HERRICK ROAD, NORTH ANDOVER, MA 01845-3738 ("Property Address") SSACHUSEITS -- Seoond Mortgage —1/80 — FNMAMUMC UNIFORM INSTRUM MERS Modifled Form 3822 Lase UW — by DeVW Information S Wt M Corp. MERS2MA.0602 Page 1 of 6 4 TOGETHER with all the improvements now or hereafter erected on the property, and all easements, rights, appurtenances and rents all of which shall be deemed to be and remain a part of the property covered by this Mortgage; and all of the foregoing, together with said property (or the leasehold estate if this Mortgage is on a leasehold) are hereinafter referred to as the "Property". Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law or custom, MFRS (as nominee for Lender and Lender's successors and assigns) has the rights: to exercise any or all of those interests, including but not limited to, the right to foreclose and sell Property; and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. Borrower covenants that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property, and that the Property is unencumbered, except for encumbrances of record. Borrower covenants that Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to encumbrances of record. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal and Interest. Borrower shall promptly pay when due the principal and interest indebtedness evidenced by the Note and late charges as provided in the Note. 2. Funds for Taxes and Insurance. Subject to applicable law or a written waiver by Lender, Borrower shall pay to Lender on the day monthly payments of principal and interest are payable under the Note, until the Note is paid in full, a sum (herein "Funds") equal to one -twelfth of the yearly taxes and assessments (including condominium and planned unit development assessments, if any) which may attain priority over this Mortgage, and ground rents on the Property, if any, plus one -twelfth of yearly premium installments for hazard insurance, plus one -twelfth of yearly premium installments for mortgage insurance, if any, all as reasonably estimated initially and from time to time by Lender on the basis of assessments and bills and reasonable estimates thereof. Borrower shall not be obligated to make such payments of Funds to Lender to the extent that Borrower makes such payments to the holder of a prior mortgage or deed of trust if such holder is an institutional Lender. If Borrower pays Funds to Lender, the Funds shall be held in an institution the deposits or accounts of which are insured or guaranteed by a Federal or state agency (including Lender if Lender is such an institution). Lender shall apply the Funds to pay said taxes, assessments, insurance premiums and ground rents. Lender may not charge for so holding and applying the Funds, analyzing said account or verifying and compiling said assessments and bilis, unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such a charge. Borrower and Lender may agree in writing at the time of execution of this Mortgage that interest on the Funds shall be paid to Borrower, and unless such agreement is made or applicable law requires such interest to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for the sums secured by this Mortgage. If the amount of the Funds held by Lender, together with the future monthly installments of Funds payable prior to the due dates of taxes, assessments, insurance premiums and ground rents, shall exceed the amount required to pay said taxes, assessments, insurance premiums and ground rents as they fall due, such excess shall be, at Borrower's option, either promptly repaid to Borrower or credited to Borrower on monthly installments of Funds. If the amount of the Funds held by Lender shall not be sufficient to pay taxes, assessments, insurance premiums and ground rents as they fall due, Borrower shall pay to Lender any amount necessary to make up the deficiency in one or more payments as Lender may require. Upon payment in full of all sums secured by this Mortgage, Lender shall promptly refund to Borrower any Funds held by Lender. If under paragraph 17 hereof the Property is sold or the Property is otherwise acquired by Lender, Lender shall apply, no later than immediately prior to the sale of the Property or its acquisition by Lender, any Funds held by Lender at the time of application as a credit against the sums secured by this Mortgage. 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under the Note and paragraphs 1 and 2 hereof shall be applied by Lender first in payment of amounts payable to Lender by Borrower under paragraph 2 hereof, then to interest payable on the Note, and then to the principal of the Note. MASSACHUSETTS —Second Mortgage —1/80 — FMMA/FHLMC UNIFORM INSTRUME MERS Modified Form 3822 I.a wDoe — by Delphi Infamation SOMM Corp. MEMZMA.0602 Page 2 of 6 w 4. Prior Mortgages and Deeds of Trust; Charges; Liens. Borrower shall perform all of Borrower's obligations under any mortgage, deed of trust or other security agreement with a lien which has priority over this Mortgage, including Borrower's covenants to make payments when due. Borrower shall pay or cause to be paid all taxes, assessments and other charges, fines and impositions attributable to the Property which may attain a priority over this Mortgage, and leasehold payments or ground rents, if any. S. Hazard insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage", and such other hazards as Lender may require and in such amounts and for such periods as Lender may require. The insurance carrier providing the insurance shall be chosen by Borrower subject to approval by Lender, provided, that such approval shall not be unreasonably withheld. All insurance policies and renewals thereof shall be in a form acceptable to Lender and shall include a standard mortgage clause in favor of and in a form acceptable to Lender. Lender shall have the right to hold the policies and renewals thereof, subject to the terms of any mortgage, deed of trust or other security agreement with a lien which has priority over this Mortgage. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. If the Property is abandoned by Borrower, or if Borrower fails to respond to Lender within 30 days from the date notice is mailed by Lender to Borrower that the insurance carrier offers to settle a claim for insurance benefits, Lender is authorized to collect and apply the insurance proceeds at Lender's option either to restoration or repair of the Property or to the sums secured by this Mortgage. 6. Preservation and Maintenance of Property; Leaseholds; Condominiums; Planned Unit Developments. Borrower shall keep the property in good repair and shall not commit waste or permit impairment or deterioration of the Property and shall comply with the provisions of any lease if this Mortgage is on a leasehold. If this Mortgage is on a unit in a condominium or a planned unit development, Borrower shall perform all of Borrower's obligations under the declaration or covenants creating or governing the condominium or planned unit development, the by-laws and regulations of the condominium or planned unit development, and constituent documents. 7. Protection of Lender's Security. If Borrower fails to perform the covenants and agreements contained in this Mortgage, or if any action or proceeding is commenced which materially affects Lender's interest in the Property, then Lender, at Lender's option, upon notice to Borrower, may make such appearances, disburse such sums, including reasonable attorneys' fees, and take such action as is necessary to protect Lender's interest. If Lender required mortgage insurance as a condition of making the loan secured by this Mortgage, Borrower shall pay the premiums required to maintain such insurance in effect until such time as the requirement for such insurance terminates in accordance with Borrower's and Lender's written agreement or applicable law. Any amounts disbursed by Lender pursuant to this paragraph 7, with interest thereon, at the Note rate, shall become additional indebtedness of Borrower secured by this Mortgage. Unless Borrower and Lender agree to other terms of payment, such amounts shall be payable upon notice from Lender to Borrower requesting payment thereof. Nothing contained in this paragraph 7 shall require Lender to incur any expense or take any action hereunder. 8. Inspection. Lender may make or cause to be made reasonable entries upon and inspections of the Property, provided that Lender shall give Borrower notice prior to any such inspection specifying reasonable cause therefor related to Lender's interest in the Property. 9. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of the Property, or part thereof, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender, subject to the terms of any mortgage, deed of trust or other security agreement with alien which has priority over this Mortgage. 10. Borrower Not Released; Forbearance by Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Mortgage granted by Lender to any successor in interest of Borrower shall not operate to release, in any manner, the liability of the original Borrower and Borrower's successors in interest. Lender shall not be required to commence proceedings against such successor or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Mortgage by reason of any demand made by the original Borrower and Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy hereunder, or otherwise afforded by applicable law, shall not be a waiver of or preclude the exercise of any such right or remedy. SACHUSETTS --- Second Mortgage —1/80 — FNMA/FHLMC UNIFORM INSTRUME MERS Modified Form 3822 LaserDx TM by Delphi Infommgon Semmes Cmp, MBMS2MA.0602 Page 3 of 6 i� 11. Successors and Assigns Bound; Joint and Several Liability; Co-signers. The covenants and agreements herein contained shall bind, and the rights hereunder shall inure to, the respective successors and assigns of Lender and Borrower, subject to the provisions of paragraph 16 hereof. All covenants and agreements of Borrower shall be joint and several. Any Borrower who co-signs this Mortgage, but does not execute the Note, (a) is co-signing this Mortgage only to grant and convey that Borrower's interest in the Property to Trustee under the term of this Mortgage, (b) is not personally liable on the Note or under this Mortgage, and (c) agrees that Lender and any other Borrower hereunder may agree to extend, modify, forbear, or make any other accommodations with regard to the terms of this Mortgage or the Note, without that Borrower's consent and without releasing that Borrower or modifying this Mortgage as to that Borrower's interest in the Property. 12. Notice. Except for any notice required under applicable law to be given in another manner, (a) any notice to Borrower provided for in this Mortgage shall be given by delivering it or by mailing such notice by certified mail addressed to Borrower at the Property Address or at such other address as Borrower may designate by notice to Lender as provided herein, and (b) any notice to Lender shall be given by certified mail to Lender's address stated herein or to such other address as Lender may designate by notice to Borrower as provided herein. Any notice provided for in this Mortgage shall be deemed to have been given to Borrower or Lender when given in the manner designated herein. 13. Governing Law; Severability. The state and local laws applicable to this Mortgage shall be the laws of the jurisdiction in which the Property is located. The foregoing sentence shall not limit the applicability of Federal law to this Mortgage. In the event that any provision or clause of this Mortgage or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Mortgage or the Note which can be given effect without the conflicting provision, and to this end the provisions of this Mortgage and the Note are declared to be severable. As used herein, "costs". "expenses" and "attorneys' fees" include all sums to the extent not prohibited by applicable law or limited herein. 14. Borrower's Copy. Borrower shall be famished a conformed copy of the Note and of this Mortgage at the time of execution or after recordation hereof. 15. Rehabilitation Loan Agreement. Borrower shall fitlfiil all of Borrower's obligations under any home rehabilitation, improvement, repair or other loan agreement which Borrower enters into with Lender. Lender, at Lender's option, may require Borrower to execute and deliver to Lender, in a form acceptable to Lender, an assignment of any rights, claims or defenses which Borrower may have against parties who supply labor, materials or services in connection with improvements made to the Property. 16. Transfer of the Property or a Beneficial Interest in Borrower. The mortgagee of this Security Instrument is MERS (solely as nominee for Lender and Lender's successors and assigns) and the successors and assigns of MERS. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Mortgage. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Mortgage. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period -of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Mortgage. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Mortgage without further notice or demand on Borrower. NON-UNIFORM COVENANTS. Borrower and Lender finther covenant and agree as follows: 17. Acceleration; Remedies. Except as provided in paragraph 16 hereof, upon Borrower's breach of any covenant or agreement of Borrower in this Mortgage, including the covenants to pay when due any sums secured by this Mortgage, Lender prior to acceleration shall give notice to Borrower as provided in paragraph 12 hereof specifying: (1) the breach; (2) the action required to cure such breach; (3) a date, not less than 10 days from the date the notice is mailed to Borrower, by which such breach must be cured; and (4) that failure to cure such breach on or before the date specified in the notice may result in acceleration of the sums secured by this Mortgage and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the nonexistence of a default or any other defense of Borrower to acceleration and sale. If the breach is not cured on or before the date MASSACHUNE—T—TS — Second Mortgage —1/80 — FNMAMMMC UMMRM INSTR MERS Modified Form 3822 LAWDoo — by DOW WOMMUM SWenm Corp NIMMMA.0602 Pogo 4 of 6 K 60 .1 specified In the notice, Lender, at Lender's option, may declare all of the sums secured by this Mortgage to be immediately due and payable without further demand and may invoke the STATUTORY POWER OF SALE and any other remedies permitted by applicable Iaw. Lender shall be entitled to collect all reasonable costs and expenses incurred in pursuing the remedies provided in this paragraph 17, including, but not limited to, reasonable attorneys' fees. If Lender invokes the STATUTORY POWER OF SALE, Lender shall mail a copy of a notice of sale to Borrower, and to any other person required by applicable law, in the manner provided by applicable law. Lender shall publish the notice of sale and the Property shall be sold in the manner prescribed by applicable law. Lender or Lender's designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all reasonable costs and expenses of the sale, including reasonable attorneys' fees and costs of title evidence: (b) to all sums secured by this Mortgage: and (c) the excess, if any, to the person or persons legally entitled thereto. 18. Borrower's Right to Reinstate. Notwithstanding Lender's acceleration of the sums secured by this Mortgage due to Borrower's breach, Borrower shall have the right to have any proceedings begun by Lender to enforce this Mortgage discontinued at any time prior to the earlier to occur of (1) sale of the Property pursuant to the power of sale contained in this Mortgage or (ii) entry of a judgment enforcing this Mortgage if (a) Borrower pays Lender all sums which would be then due under this Mortgage and the Note had no acceleration occurred, (b) Borrower cures all breaches of any other covenants or agreements of Borrower contained in this Mortgage; (c) Borrower pays all reasonable expenses incurred by Lender in enforcing the covenants and agreements of Borrower contained in this Mortgage, and in enforcing Lender's remedies as provided in paragraph 17 hereof, including, but not limited to, reasonable attorneys' fees; and (d) Borrower takes such action as Lender may reasonably require to assure that the lien of this Mortgage, Lender's interest in the Property and Borrower's obligation to pay the sums secured by this Mortgage shall continue unimpaired. Upon such payment and cure by Borrower, this Mortgage and the obligations secured hereby shall remain in full force and effect as if no acceleration had occurred. 19. Assignment of Rents; Lender in Possession. As additional security hereunder, Borrower hereby assigns to Lender the rents of the Property, provided that Borrower shall, prior to acceleration under paragraph 17 hereof or abandonment of the Property, have the right to collect and retain such rents as they become due and payable. Under acceleration under paragraph 17 hereof or abandonment of the Property, Lender shall be entitled to enter upon, take possession of and manage the Property and to collect the rents of the Property including those past due. All rents collected by Lender shall be applied first to payment of the costs of management of the Property and collection of rents, including, but not limited to, reasonable attorneys' fees, and then to the sums secured by this Mortgage. The receiver shall be liable to account only for those rents actually received. 20. Release. Upon payment of all sums secured by this Mortgage, this Mortgage shall become null and void, and Lender shall release this Mortgage without charge to Borrower. Borrower shall pay all costs of recordation, if any. SSACHUSEM — Sewd Mortgage —1 0 — FNMA/FHLMC UNIFORM INSTRUME MERS Modified Form 3822 W mDm I by Delphi Wmadw Sciences Corp. MERS2MA.0602 Page S of 6 MLS.com - Search for homes on MLS nationwide MLS'.com America's Real Estate Portal HOME FIND AN AGENT MORTGAGE CALCULATOR Page 1 of 2 MLS MULTIPLE LISTING SERVICE LISTINGS Your Trusted Real Estate Source LOAN INFO WHAT'S MY SEARCH EDUCATION GLOSSARY HOME WORTH? FORECLOSURES BOOKMARK THIS SITE Back to foreclosure properties in North Andover, MA 01845 Herrick Rd North Andover, MA 01845 Essex County $347,087 Date Listed: 01-27- 2009 Year Built: NA Bedrooms: 4 Bathrooms: 2 Square 1,896 Feet: Residential Property Single Tye' Family Residence (RSFR) Real Status: Estate Owned (REO) Description: This property is an REO (Real Estate Owned). This is the final step in the foreclosure process. Ownership has reverted to the lender. This 1896 square foot property has 4 bedroom(s) and 2 bath(s). The estimated sale price is $347,087.00. To access more extensive information on this property click the'more property detail' link below. You will need to register for full access. Information listed with each property including estimated loan balance is derived from sources deemed accurate but we do not guarantee the accuracy of such information. Please consult all relevant title documents prior to purchase. Register to see more details. 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All Rights Reserved. http://www.mis.com/foreclosures/prop.php?id=23978464 7/28/2009 Loan No.: 05072637971A REQUEST FOR NOTICE OF DEFAULT AND FORECLOSURE UNDER SUPERIOR MORTGAGES OR DEEDS OF TRUST Borrower and Lender request the holder of any mortgage, deed of trust or other encumbrance with a lien which has priority over this Mortgage to give Notice to Lender, at Lender's address set forth on page one of this Mortgage, of any default under the superior encumbrance and of any sale or other foreclosure action. IN WITNESS WHEREOF, Borrower has executed this Mortgage under seal. Q - (Seal) (Seal) TIMMY -Borrower GAIL TIS -Borrower (Seal) �- (Seal) -Borrower -Bono (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) Awa -Borrower [Sign Original Only] The Note secured by the Mortgage has: a Principal sura. of $ 35, 000.00 a Period of Loan of 300 mos. a Rate of Interest of 13.175 % Periodic Due Dates of Monthly CONM4NWEALTH OF MASSACHUSETTS, e5s X County ss: y►�i�. tP1 �t'Gw2rr� � l i •�+. v-+r�•ey �l'�l• u} trtiC� On this 2 l day of lgOr" t 7-00` 1 , before me personally appeared SIHVEN TIERNEY and GAIL TIEFTZYfk W �� � 1 C.. 1 J�2,r 11�e i \- per' ' to me known to be the person(s) described in and who execute the forgoing instrument, and acknowledged that he/she/they executed the same as his/her/their free act and deec My Commission Expires: Qq 2:51a�AL, �M.nlola r�� ®�{41h o{ Massachusetts My Commission on March 23, 2012 CHUSETTS -- Second Mortgage —1180 — FNMA/FMAC UNIFORM INSTRUMER MERS Modified Form 3822 LNUDoa "' by DtPM MfOEMU n Sciences C01P. MBR52MA.0602 Page 6 of 6 Kort bem8 xw' t$150,01 vAt to 0j 23 M��cNyfsrtf oy1nU.W pffp •tlpRt ftp '12601V 'it, fft 'lc Vor folk h�dr� fifty trn` of one As 3y ' ,a in full °00*0' "��� tam ao PSI"Y �dtt��" �,�yotl` ,��� tot Tierce tta with Ate"`""_ .00) SAY and �c 'f sa e "f1}E C Stege,,,, ES —od firth Air y at'd sa" a '?1 0 13o't't ana •tlne� S� feet• County of NO �1 in ttor bereiloter Antra 50/10 tuated follows and �rpel of S3. des ,� (Zj°n P13 � seven t54 t5g8) f t102 1 Lth. lotsSteen -00 (�i9 steXandllyy bYf � at two one ;er �191.8j 1 eet F� on a� PW std` on 11�►11°. ,1/1.00 t j,,U r s �teea (1� to 7Acated as Jr• Ci I the 10 t�,r1Y ed in by lot ttre Cwt K. Vtetbe Co t� je 1,0. 140b, de T ed dry b G rc►e4 W iaate of TI t 1 arc 1f All of 88138. C 10 �1 ao On. X- Also Violo by lot n S �e geven ied wit Cert diereO ' ]pt etb 2)' Bl 923, ss fs� ; ,teen 1181 1 s 6-7 fit: dated Janes a spy o i9 ted follOwB' 61/1-()() l tec1Y 3.Offipe in9 as andScut tir Page 21 o ...&dnVot 9 piob feet, ()) feet of �,,�.ea. Of f thxee and lollp01p0 (34-B9)on P]ffi► sed . tbOr � on P"%' tb x�Y tY six � 891 strr+�' 1929, f is fs A (19A1 oK 1�' s fox% ltea 25. of w r ete ► terly by lie on saw Pfd PW girt to .. tea office a oO{y� as �t tlr i9hteea two t21 on by tt�`. Bros., iteciistration d,101 follows fobs 1.o11p0 51 L by lot Scnitererr3 Fs Ne 12 p ed ay n81 andamed ginht -, 0'1 J1p4 ty said Kora �.CDztiaA—t- 1'120, le 140- 1 of 1� after 'PUp se`�e�'�ed two drawn ifiC,ane °fes ° IB n P�B� 8)een on said Plan one 8 t19Biti,t t s+.bY �lYe �yBl eipt�' by W ter feet! sou 80 r1Y •101 Wit. and r ,199.1.... (38'$p1 f feet' oE.. �r ... (102 / / s* s aaa seal Bur'. .......'7 Y, Hca Burma .. •.. � .. - ��� 1991 Ift 60000*0 K• Burma Ss- �'i<<�'i� ea the awe ,,ea y a W be . JnlA the and $0 d w' DOW50— Oe tt�ix A 7 flppp•i Z T�pap's�Tet>f OV 061�'� oot of BY ��pt8a ° p � (of f �eeit. 6 � A pon it the fou 04be 1►1e othit t� y cow X11 s Vic -,W W, stomp= �Vl*y� I t� _ L 1 L (ad)4so }uud asnatd) I i ism: U f I � � H ME (ad)4so }uud asnatd) J ME a O 74 J CONTINUATION DEED FROM EDMOND W. BURL AND SONDRA K. BURKE TO STEVEN TIERNEY AND GAIL TIERNEY All of said boundaries are determined by the Court to be located as shown on Plan No. 8813-2, drawn by Arthur R. Nicholson, Engineer, dated April 5, 1941, as modified and approved by the Court, filed in the Land Registration Office, a copy of a portion of which is filed with Certificate of Title 2625, Book 18, Page 101, together with the fee in the streets or ways upon which said lot abuts to the middle line thereof, and being designated as lot seventeen A (17A), Block seven (7) thereon. So much of the land as is included within the streets or way is subject to its use by all parties entitled and to any rights and easements, so far as applicable, as set forth in Certificate of Title No. 1251, Book 9, Page 1. The above described land is subject to and has the benefits of the rights, easements and restrictions referred to or implied in deeds from Pacific Mills, dated November 28, 1925 and December 17, 1928, filed and registered as Document Nos. 3893 and 4562. For mortgagors title, see Certificate of Title #9610 recorded at Book 67, Page 45. SCHEDULE "An A CERTAIN PARCEL OF LAND SITUATED IN NORTH ANDOVER, IN THE COUNTY OF EBB=, AND SAID COMMONWEALTH, BOUNDED AND DESCRIBED AS FOLLOWS: NORTHEASTERLY BY LOTS NINETEEN (19) AND TWO (2) ON PLAN HmmINAFTER NBa1TI0NBD NINETY ONE AND 87/100 (91.87) FEET; NORTHWESTERLY BY HERRICK ROAD SEVENTY THRSB AND 50/1Q0 (73.50) FEET; SOUTHWESTERLY BY EDMONDS ROAD FIFTY FOUR AND 85/100 (54.85) FEET, AND SOUTHPASTERLY BY LOT SEVENTEEN (17) ON SAID PLAN ONE HUNDRED TWO AND 07/100 (102.07) FEET. ALL OF SAID BOUNDARIES AND Drnmmnm BY THE COURT TO BE LOCATED AS BROWN ON PLAN NO. 88138, SHSST TWO (2), BLOCK SEVEN (7) DRAWN BY GEORGE H. WETHERBSE, JR., CIVIL ENGINEER, DATED JANUARY 1923, AS MODIFIED AND APPROVED BY THE COURT, FILED IN THE LAND REGISTRATION OFFICE, A COPY OF WHICH IS FILED WITH CPRTIFICATP OF TITLE NO. 1406, BOOK 10, PAGE 21, AND BEING DESIGNATED AS LOT PIGHTERN (18) THEREON. ALSO ANOTHER PARCEL OF LAND BOUNDED AND DESCRIBED AS FOLLOWS: NORTHEASTERLY BY LOT NXNETSSN A (19A) ON PLAN HEREINAFTER MSNTI0N3D EIGHTY FOUR AND 67/100 (84.67) FEETi NORTHWESTERLY BY HERR.ICK ROAD THIRTY THREE AND 97/100 (33.97) FEET; SOUTHWESTERLY BY LOT EIGHTEEN (18) ON SAID PLAN SEVENTY SIX AND 70/100 (76.70) FEST, AND SOUTHEASTERLY BY LOT TWO (2) ON SAID PLAN THIRTY FOUR AND 89/100 (34.89) FEET. ALL OF SAID BOUNDARIES ARE DETERMMM BY THE COURT TO BE LOCATED AS SHOWN ON PLAN NO. 88131,'DRAWA BY HORACE HALE SMITH & MCCRACKEN BROS., C.E., DATED MARCH 25, 1929, AS MODIFIED AND APPROVED BY THE COURT, FILED IN THE LAND REGISTRATION OFFICE, A COPY OF WHICH IS FILED WITH CERTIFICATE OF TITLE NO. 1720, BOOK 12, PAGE 81 AND BEING DESIGNATED AS LOT NINETEEN B (19B) THEREON. ALSO ANOTHER PARCEL OF LAND BOUNDED AND DESCRIBED AS FOLLOWS: 80UTH-EASTERLY BY LOT SEVENTEEN B (173) ON PLAN HERBINAlr= MENTIONED TWENTY FOUR AND 10/100 (24.10) FEET; SOUTHERLY BY LOT SHVINTEEN B (17B) ON SAID PLAN SEVENTY SIGiHT AND 85/100 (78.85) FEST= AND NORTHERLY BY LOT l9IgA'PPPN (18) ON SAID PLAN ONE HUNDRED TWO AND 07/100 (102.07) FEET. ALL OF SAID BOUNDARIES ARE DETRRMi M BY THE COURT TO BE LOCATED AS SHOWN ON PLAN NO, 8813-2, DRAWN BY ARTHUR R. NICHOLSON, ENGINEER, DATED APRIL 5, 1941, AS MODIFIED AND APPROVED BY THE COURT, FILED IN THE LAND REGISTRATION OFFICE, A COPY OF A PORTION SCHEDULE "ATM OF WHICH IS I+ILED WITH CERTIFICATE OF TITLE 2625, BOOB 18, PAGE 101, TOGETHER WITH THE FEE IN THE STREETS OR NAYS UPON WHICH SAID LOT.ABUTS TO THE MIDDLE LINE THEREOF, AND BEING DESIGNATED AS LOT SEVENTEEN A (17A), BLOCK SEVEN (7) TMUMN. 80 MUCH OF THE LAND AS IS INCLUDED WITHIN THE STREETS OR WAY 18 SUBJECT TO ITS USE BY ALL PARTIES ENTITLED AND TO ANY RIGHTS, AND EASMUMTS, SO FAR AS APPLICABLE, AS FORTS IN CERTIFICATE OF TITLE N0. 1251, BOOK 9, PAGE 1. THE ABOVE DESCRIBED LAND. IS SUBJECT TO. AND HAS TEX BPNEFITS OF TOR RIGHTS, EASEMENTS AND RESTRICTIONS REFERRED TO OR IMPLIED IN DEEDS FROM PACIFIC MILLS, DATED NOVEMBER 28, 1925 AND DECEMBER 17,•1928, FILED AND REGISTERED AS DOCUMENT NOS. 3893 AND 4562. BEING THE SAME PROPERTY CONVEYED TO STEVEN TIERNEY AND GAIL TIBRN$Y, HUSBAND AND WIFE S BY THE ENTIRETY BY DEED FROM HDMOND W- BURKE AND SONDRA X. BUM RECORDED 02/01/1991 IN DOCWO;NT NO. 50056, IN THE REGISTRY OF DEEDS PLAN FOR ESSEX COUNTY, MASSACHUSETTS. TAX ID# 210-020.0-0040-0000.0 Total Pages: Doc:93s968 04-11-2007 11:13 Essex North land Court Registry .... IM1111®1n011111111 DISCHARGE OF MORTGAGE ZGolden West Savings Association Service Cc #:26260091 "TIERNEY' Lender ID:010035 Essex Northern District, Massachusetts PIF: 03/29/2007 Q KNOW ALL MEN BY THESE PRESENTS that WORLD SAVINGS BANK, FSB, A FEDERAL O SAVINGS BANK whose address is 4101 WISEMAN BLVD, SAN ANTONIO, TX 78251 holder of a Y�Y o certain Mortgage, whose parties, dates and recording information are below, does hereby acknowledge that U it has received full payment and satisfaction of the same, and in consideration thereof; does hereby cancel and discharge said Mortgage. aww _ > Original Mortgagor: STEVEN D TIERNEY AND GAIL C TIERNEY, HUSBAND AND WIFE CL o Original Mortgagee: WORLD SAVINGS BANK, FSB, A FEDERAL SAVINGS BANK a o Date Executed: 09/02J2004 Recorded: 09/09/2004 in Book/ReeNaber: 81 Page/Folio: 309 as Instrument No.: 87502, In the County of Essex Northern District, State of Massachusetts Original CT #: NIA New CT #:11076 IN WITNESSOF, the said WORLD SAVINGS BANK, FSB, A FEDERAL SAVINGS BANK by its authorized officer, has hereunto set its corporate seal. WORLD SAVINGS BANK, FSB, A FEDERAL SAVINGS BANK On March 30th, 2007 Vice -President STATE OF Texas COUNTY OF Be) On March 30th, 2007, before me, JOEY MUNOZ, a Notary Public in and for Bow in the State of Texas, personally appeared MARTITA CORLEY, Assistant Vice -President, personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that helshelthey executed the same m his/her/their authorized capacity, and that by his/her/their signature on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. WITNESS my hand and official seal, Jou MUNOZ WCOWISSMEXPL98 Feeme�yo,Pott J Y OZ NbtgiyExpires: 02/20/2011 (This area for notarial seal} *S D*SMDGOLD*CS30It00711:S0:SYAWGOLDOt MAENW2825=1 MASTATE AA= RELNALNALQOLD' Recording Requested By. GWSA, TRUSTEE FOR. WORLD SAVINGS When Recorded Return To: GOLDEN WEST SAVINGS ASSOC. TRUSTEE FOR WORLD SAVINGS P.O. BOX 34957 San Antonio, TX 78265-4957