6733 SW Taurus Pl, Beaverton

Property Details

Maps

Local Schools

The information contained is provided by WFG’s Customer Service Department to our customers, and while deemed reliable, is not guaranteed.

OWNER INFORMATION

OWNER NAME: Caroline & Michael Whitesell

VESTING: Tenants in Entirety

MAILING ADDRESS: 6733 SW Taurus Pl Beaverton OR 97007

OWNER STATUS: Owner occupied

LOCATION DESCRIPTION

COUNTY: Washington

CENSUS / BLOCK: 031804 / 3003

TSP - RNG - SEC: 01S - 02W - 24

LOT / BLOCK: 7 /

HOUSING TRACT: Taurus Meadows

ALT PARCEL #: R2112957

SCHOOL DISTRICT: Beaverton

MUNICIPALITY: Beaverton

PARCEL #: R2112957

LAST MARKET SALE PRIOR SALE

DATE: 03/21/2016

SALE PRICE: $269,000

DOCUMENT #: 2.01602e+009

DOC TYPE: Deed

SQUARE FOOT $: $201.05

DATE: 01/10/2003

SALE PRICE: $160,000

DOCUMENT #: 4581

DOC TYPE: Deed

LENDER:

LENDER: MORTGAGE TR LOAN: $157,528

LOAN: $255,550

LOAN TYPE: Conventional

LOAN TERM: 30 Y

LOAN TYPE:

PROPERTY CHARACTERISTICS

GROSS AREA: 1,338

LIVING AREA:

ABOVE GRADE:

BEDROOMS: 3

BATHROOMS: 3

FIREPLACE: 1

YEAR BUILT: 2002

PARKING TYPE: Finished Garage

UNITS:

BASEMENT:

GARAGE AREA: 228

ROOF SHAPE:

FOUNDATION: 01

ROOF MATERIAL: Composition

CONSTRUCTIONS: Wood

HEAT TYPE:

COOLING TYPE:

EXTERIOR WALL: Wood Sheathing

ROOMS:

QUALITY:

INTERIOR WALL:

PORCH TYPE:

PATIO TYPE:

AIR COND: Y

FIXTURES:

FLOOR:

EQUIPMENT:

STORIES:

POOL:

CONDITION:

PROPERTY INFORMATION

LAND USE: Residential Improved

ZONING: Attached/Detatched Resident

COUNTY USE: Residence Single Family

LOT ACRES: 0.07

STATE USE:

LOT SQ FT: 3,049

LEN / WID:

TAXES AND ASSESSMENT INFORMATION

ASSD YEAR: 2023

ASSD VALUE: $216,610

TAXABLE VAL:

TAX YEAR: 2023

LAND VALUE: $216,040

MKT VALUE: $438,270

TAX AREA: 51.50

IMP VALUE: $222,230

EXEMPTIONS:

PROPERTY TAX: $3,907.75

IMPROVED %: 51

DISTRICT:

AREA M A P S

S T R E E T

CITY BOUNDARY MAP

Beaverton School Disrict

ELEMENTARY SCHOOLS

MIDDLE SCHOOLS

Beaverton, OR 97078

NAME:

NAME:

High School

HIGH SCHOOLS

School Of Beaverton

ADDRESS: 17770 Sw Blanton St

OR 97078

SCHOOL: No

Students We Serve

38,238

American Indian/Alaska Native

OREGON AT-A-GLANCE DISTRICT PROFILE

Beaverton SD 48J

SUPERINTENDENT: Gustavo Balderas | 1260 NW Waterhouse Ave, Beaverton 97006 | 503-356-4500

District Environment

REGULAR ATTENDERS

Students who attended more than 90% of their enrolled school days.

Decrease from previous year 6%

67%

Academic Success

Grade 3

ENGLISH LANGUAGE ARTS

Students meeting state grade-level expectations.

Increase from previous year 1%

Grade 8 MATHEMATICS

Students meeting state grade-level expectations.

2022-23

High School Success

average 62%

ON-TRACK TO GRADUATE

Students earning one-quarter of graduation credits in their 9th grade year.

87%

Decrease from previous year 2% Oregon average 84%

District Goals

55%

38%

Oregon average 40%

ON-TIME GRADUATION

Students earning a diploma within four years. Cohort includes students who were first-time ninth graders in 2018-19 graduating in 2021-22.

Increase from previous year 1%

89%

Decrease from previous year 1% Oregon average 26%

FIVE-YEAR COMPLETION

Students earning a high school diploma or GED within five years. Cohort Includes students who were firsttime ninth graders in 2017-18 finishing in 2021-22.

Increase from previous year 1%

93%

Oregon average 81%

State Goals

Oregon average 87%

Beaverton School District promotes a deep sense of belonging while supporting, challenging and inspiring all students to explore their passions, achieve their goals and graduate ready to thrive in their learning and life after high school. To achieve this mission, the district and its schools will implement strategies and track outcomes in four areas: Student Safety and Well-being, Strong Start in Early Learning, Academic Achievement for All, and Supporting Post-High School Success.

The Oregon Department of Education is partnering with school districts and local communities to ensure a 90% on-time, four year graduation rate by 2027. To progress toward this goal, the state will prioritize efforts to improve attendance, provide a wellrounded education, invest in implementing culturally responsive practices, and promote continuous improvement to close opportunity and achievement gaps for historically and currently underserved students.

Our Staff (rounded FTE)

OREGON AT-A-GLANCE DISTRICT PROFILE CONTINUED

Beaverton SD 48J

2022-23

117 Administrators

2,164 Teachers

469 Educational assistants

136 Counselors

49 Social Workers

3 Licensed Librarians

44 Psychologists

86%

ON-TRACK TO GRADUATE

OREGON AT-A-GLANCE SCHOOL PROFILE

Hazeldale Elementary School

PRINCIPAL: Carolina Christmann Cavedo | GRADES: K-5 | 20080 SW Farmington Rd, Aloha 97007 | 503-356-2010

School Environment

CLASS SIZE

Median class size.

REGULAR ATTENDERS

Students who attended more than 90% of their enrolled school days.

Decrease from previous year 3

21

74%

Oregon average 22

Academic Success

ENGLISH LANGUAGE ARTS

Students meeting state grade-level expectations.

MATHEMATICS

Students meeting state grade-level expectations. 34%

Decrease from previous year 5%

Decrease from previous year 4% Oregon average 62%

2022-23

SCIENCE

Students meeting state grade-level expectations.

Increase from previous year 11%

40%

School Goals

Beaverton School District promotes a deep sense of belonging while supporting, challenging and inspiring all students to explore their passions, achieve their goals and graduate ready to thrive in their learning and life after high school. To achieve this mission, the district and its schools will implement strategies and track outcomes in four areas: Student Safety and Well-being, Strong Start in Early Learning, Academic Achievement for All, and Supporting Post-High School Success.

State Goals

The Oregon Department of Education is partnering with school districts and local communities to ensure a 90% ontime, four year graduation rate by 2027. To progress toward this goal, the state will prioritize efforts to improve attendance, provide a well-rounded education, invest in implementing culturally responsive practices, and promote continuous improvement to close opportunity and achievement gaps for historically and currently underserved students.

Safe & Welcoming Environment

WE are committed to providing all of our students and families with safe, caring and inclusive learning environments, free from bullying, intimidation, and harassment. We will not tolerate any form of discrimination and we will take swift action to address concerns. We have a Board Policy (AC) on non-discrimination. We will serve all students and families.

Students in grades 4 - 5 reporting:

· Feeling safe, welcomed, and accepted at school: 90%

· At least one adult at school really cares about them: 91%

Our Staff (rounded FTE)

OREGON AT-A-GLANCE SCHOOL PROFILE CONTINUED

Hazeldale Elementary School

29 Teachers

ENGLISH LANGUAGE ARTS

<10

<10

10 Educational assistants

3

81%

About Our School

BULLYING, HARASSMENT, AND SAFETY POLICIES

Maintaining a safe school environment is a priority of the Beaverton School District. We collaborate with community partners to review and enhance our safety practices, emergency readiness and response. Students in grades 4 - 5 reporting not being bullied at or on the way to or from school:

41%

Anti-bullying curriculum, Positive Behavioral Interventions and Supports (PBIS)

EXTRACURRICULAR ACTIVITIES

See our website for activities available to students.

PARENT ENGAGEMENT

91% of parents report they are valued as active participants in their child’s education. Parents are their child’s first and most important teacher. We encourage you to stay engaged as your student progresses through their K-12 education. You can help by setting high expectations for your child’s success.

Here are some ways you can ensure your child’s success:

• Attending school is essential to learning

• Volunteer at school, in the classroom or at home

• Make sure to follow your child’s academic progress

• Provide a quiet place to read or study

• Ensure your child gets enough sleep

• Encourage your child to try diverse extracurricular activities

<10

<10

<10 students or

<10 students or data unavailable

<10 students or data unavailable

<10

COMMUNITY ENGAGEMENT

WE are very fortunate to have strong community support. We collaborate with parents, community members, faith partners, businesses and non-profits to bring additional resources to support students’ success. We seek diverse community and staff input.

73% of parents report that the school encourages feedback from parents and the community.

OREGON AT-A-GLANCE SCHOOL PROFILE

Mountain View Middle School

PRINCIPAL: Brian Peerenboom | GRADES: 6-8 | 17500 SW Farmington Rd, Beaverton 97007 | 503-259-3890 Students We

School Environment

American Indian/Alaska

2022-23

CLASS SIZE

Median class size.

No change from previous year Oregon average 22

ENGLISH LANGUAGE ARTS

Students meeting state grade-level expectations.

MATHEMATICS

Students meeting state grade-level expectations.

REGULAR ATTENDERS

Students who attended more than 90% of their enrolled school days.

Decrease from previous year 8%

57%

Increase from previous year 4% Oregon average 29%

School Goals

Beaverton School District promotes a deep sense of belonging while supporting, challenging and inspiring all students to explore their passions, achieve their goals and graduate ready to thrive in their learning and life after high school. To achieve this mission, the district and its schools will implement strategies and track outcomes in four areas: Student Safety and Well-being, Strong Start in Early Learning, Academic Achievement for All, and Supporting Post-High School Success.

State Goals

The Oregon Department of Education is partnering with school districts and local communities to ensure a 90% ontime, four year graduation rate by 2027. To progress toward this goal, the state will prioritize efforts to improve attendance, provide a well-rounded education, invest in implementing culturally responsive practices, and promote continuous improvement to close opportunity and achievement gaps for historically and currently underserved students.

SCIENCE

Students meeting state grade-level expectations. 14% Increase from previous year 1%

Safe & Welcoming Environment

WE are committed to providing all of our students and families with safe, caring and inclusive learning environments, free from bullying, intimidation, and harassment. We will not tolerate any form of discrimination and we will take swift action to address concerns. We have a Board Policy (AC) on non-discrimination. We will serve all students and families.

Students in grade 7 reporting:

· Feeling safe, welcomed, and accepted at school: 52%

· At least one adult at school really cares about them: 80%

Our Staff (rounded FTE)

OREGON AT-A-GLANCE SCHOOL PROFILE CONTINUED

Mountain View Middle School

50 Teachers

4 Educational assistants

5 Counselors/ Psychologists/ Social Workers

83%

About Our School

BULLYING, HARASSMENT, AND SAFETY POLICIES

EXTRACURRICULAR ACTIVITIES

ENGLISH LANGUAGE ARTS

73%

Maintaining a safe school environment is a priority of the Beaverton School District. We collaborate with community partners to review and enhance our safety practices, emergency readiness and response.

Students in grade 7 reporting:

· Not being bullied at or on the way to or from school: 25%

· Reports of bullying will be taken seriously and responded to by the school: 27%

Anti-bullying curriculum, Positive Behavioral Interventions and Supports (PBIS)

See our website for activities available to students.

PARENT ENGAGEMENT

65% of parents report they are valued as active participants in their child’s education. Parents are their child’s first and most important teacher. We encourage you to stay engaged as your student progresses through their K-12 education. You can help by setting high expectations for your child’s success.

Here are some ways you can ensure your child’s success:

• Attending school is essential to learning

• Volunteer at school, in the classroom or at home

• Make sure to follow your child’s academic progress

• Provide a quiet place to read or study

• Ensure your child gets enough sleep

• Encourage your child to try diverse extracurricular activities

COMMUNITY ENGAGEMENT

WE are very fortunate to have strong community support. We collaborate with parents, community members, faith partners, businesses and non-profits to bring additional resources to support students’ success. We seek diverse community and staff input.

39% of parents report that the school encourages feedback from parents and the community.

1,606

OREGON AT-A-GLANCE SCHOOL PROFILE

Aloha High School

PRINCIPAL: Matt Casteel | GRADES: 9-12 | 18550 SW Kinnaman Rd, Beaverton 97078 | 503-356-2760

School Environment

CLASS SIZE

Median size of classes in core subjects.

Increase from previous year 1 Oregon average 22

Academic Success

ON-TIME GRADUATION

Students earning a diploma within four years. Cohort includes students who were first-time ninth graders in 2018-19 graduating in 2021-22

REGULAR ATTENDERS

Students who attended more than 90% of their enrolled school days.

Academic Progress

2022-23

ON-TRACK TO GRADUATE

Students earning one-quarter of graduation credits in their 9th grade year.

86%

No change from previous year Oregon average 81%

School Goals

Beaverton School District promotes a deep sense of belonging while supporting, challenging and inspiring all students to explore their passions, achieve their goals and graduate ready to thrive in their learning and life after high school. To achieve this mission, the district and its schools will implement strategies and track outcomes in four areas: Student Safety and Well-being, Strong Start in Early Learning, Academic Achievement for All, and Supporting Post-High School Success.

46%

Increase from previous year 1% Oregon average

FIVE-YEAR COMPLETION

Students earning a high school diploma or GED within five years. Cohort Includes students who were firsttime ninth graders in 2017-18 finishing in 2021-22

No change from previous year

Increase from previous year 3%

86%

88%

Oregon average

87%

State Goals

The Oregon Department of Education is partnering with school districts and local communities to ensure a 90% ontime, four year graduation rate by 2027. To progress toward this goal, the state will prioritize efforts to improve attendance, provide a well-rounded education, invest in implementing culturally responsive practices, and promote continuous improvement to close opportunity and achievement gaps for historically and currently underserved students.

COLLEGE GOING

Students enrolling in a two or four year college within 16 months of completing high school in 202021. Data from the National Student Clearinghouse.

Decrease from previous year

5%

54%

Oregon average

56%

Safe & Welcoming Environment

WE are committed to providing all of our students and families with safe, caring and inclusive learning environments, free from bullying, intimidation, and harassment. We will not tolerate any form of discrimination and we will take swift action to address concerns. We have a Board Policy (AC) on nondiscrimination. We will serve all students and families.

Students reporting:

· Feeling safe, welcomed, and accepted at school: 63%

· At least one adult at school really cares about them: 87%

· Not being bullied at or on the way to or from school: 69%

Our Staff (rounded FTE)

OREGON AT-A-GLANCE SCHOOL PROFILE CONTINUED

Aloha High School

95 Teachers

15 Educational assistants

12

85%

About Our School

ADVANCED COURSEWORK

WORLD LANGUAGE COURSES

Spanish, French

88%

ON-TRACK TO

HONORS & DUAL -ENROLLMENT COURSES

· Spanish Dual Language Program

· 19 Advanced Placement (AP) courses

· Dual credit courses (contact school)

CAREER & TECHNICAL EDUCATION

Career Pathways in:

· Architectural Drafting/Construction

· Automotive Technology

· Education

· Marketing

· Software Design and Information Technology

· Film and Video Production

In 2021-22, 90.0% of CTE Concentrators earned a dipl oma in four years.

EXTRACURRICULAR ACTIVITIES

Students in grades 9-12 reporting participating in at least one extracurricular activity: 48%

See school website for activities available to students.

PARENT & COMMUNITY ENGAGEMENT

Parents, community members, faith partners, businesses and non-profits are all committed to the success of all of our students.

81% of parents report they are valued as an active participants in their child’s school.

51% of parents report that the school encourages feedback from parents and the community.

97,494 $47,863

 Beaverton

HOUSING

 50.54% of homes owner occupied

 49.46% of homes rented

POPULATION DENSITY

 4,794.6 inhabitants per sq. mile

 39,500 housing units at an average density of 2,108.9 per sq. mile

HISTORY

AGE DEMOGRAPHIC

 22.9% under age 18

 9.2% between ages 18 to 24

 33% between ages 25 to 44

 24.5% between ages 45 to 64

 10.4% above age 65

CITY QUICK FACTS

 7 Miles west of downtown Portland

 18.73 square miles

 189 feet elevation

 Incorporated in 1893

 Highest Average Temperature 63º

 Lowest Average Temperature 43º

METRO AREA BASE MAP

Police

Coffee

is totally optional!

Use Updater to:

Forward USPS mail

Reserve a mover online

Update your accounts

Connect utilities

Hook up home services

Search move-in special offers

Share moving announcements with friends & family

For more information on Updater, visit; https://wfgoregon.updater.com/sign-up

BEAVERTON UTILITIES

Emergency

Police/Medical/Fire

911

Poison Control

(800) 222-1222

www.aapcc.org

United States Postal Service

(800) 275-8777

www.usps.com

Xfinity

(800) 266-2278

www.xfinity.com

Ziply Fiber

(866) 699-4759

www.ziplyfiber.com

Verizon

(800) 483-4100

www.verizon.com

AT&T

(800) 288-2020

www.att.com

CenturyLink

(866) 963-6665

www.centurylink.com

Dish Network

(800) 318-0572

www.dish.com

DIRECT TV

(800) 531-5000

www.directtv.com

The Oregonian

(503) 221-8240

www.oregonlive.com

TRI-MET

(503) 238-7433

www.trimet.org

Northwest Natural Gas

(800) 422-4012

www.nwnatural.com

Portland General Electric

(503) 228-6322

www.portlandgeneral.com

Tualatin Valley Water District

(503) 642-1511

www.tvwd.org

Clean Water Services Sewer

(503) 681-3600

www.cleanwaterservices.org

Waste Management

(800) 808-5901

www.wm.com

Beaverton School District

(503) 356-4500

www.beaverton.k12.or.us

CHANGE OF ADDRESS

USPS

Below is the website if you would like to change your address online or you can visit your local post office, they will provide you with the change of address packet. https://moversguide.usps.com

Benefits you will receive when you change your address online are:

Exclusive mover savings coupons

Safe and secure with identity verification by a simple $100 charge to your credit or debit card

Email confirmation at the end of registration of your change of address

* Must have valid email address and credit card to register online

AUTO REGISTRATION AND DRIVER LICENSING

Below is the website if you would like to change your address online or you can visit your local DMV office.

Oregon Department of Transportation DMV Services

1905 Lana Avenue NE Salem, OR 97314-0100

wwworegondmvcom/oregon/indexhtm

General DMV Information Contact: 503-299-9999

VOTERS REGISTRTION

TO REGISTER TO VOTE, YOU MUST BE:

A citizen of the USA

A resident of Oregon

A Legal Resident of Oregon State at least 18 years of age on or before the next election

HOW TO REGISTER

To register to vote online you will need an Oregon driver's license, permit or ID card number issued by the Oregon Driver and Motor Vehicle Services Division (DMV)

If you do not have an Oregon driver's license, permit or ID card, you can still use the online voter registration application. The information you enter will display on a voter registration card (PDF document) that you will need to print, sign and deliver to your county elections office to complete your registration.

REGISTRATION DEADLINE

A new registrant must submit their online registration by 11:59:59 p.m. Pacific Time on the 21st calendar day before an election to be eligible to vote in that election.

CHANGE OF ADDRESS

If you move to a new county, you must complete a new voter registration, otherwise you must request a transfer of your registration

Clackamas County Voter Registration: 503-655-8510

Multnomah County Voter Registration: 503-988-3720

Washington County Voter Registration: 503-846-5800

MOVING CHECKLIST

UTILITIES

Electric

NWNaturalGas

WaterDistrict

SewerDistrict

GarbageProvider

Cable/Satellite Fuel(Propane)

PhoneServices

Internet

FINANCIAL

BanksandCreditUnions

CreditCardCompanies (includingdepartmentstorecreditcards)

Lenders (Mortgage,HomeEquity,Auto,StudentLoans)

InsuranceCompanies (Health,Renters,Auto,Home,Medical,Dental,Disability,Life)

Retirement (Pensionplans,401K,SocialSecurity,VeteransAffairs)

Investments(InvestmentAgenciesandBrokers)

OnlineBillPayer

Paypal

GOVERNMENT

USPostOffice

DepartmentofMotorVehicles (Obtainyourdriver’slicenseandchangevehicleregistration)

IRS

PassportOffice

VeteranAffairs UnemploymentOffice (Ifyouarecurrentlyreceivingunemploymentbenefits)

HEALTH

Physician

Pharmacies

SERVICE PROVIDER

Childcare

Housecleaning Services

Delivery Services

Lawn Care Services

Veterinarian

Pool Service

MEMBERSHIPS

Health Clubs

Membership Clubs(AAA or similar)

Community Groups (PTA, Neighborhood Associations, Civic Clubs)

Children’s Extracurricular

Activities(Dance Classes, Music Lesson, Sports Clubs)

SUBSCRIPTIONS

Newspapers

Magazine(USPS will only forward 2 months)

Movie Subscriptions

Book or Music Clubs

OTHER

Friends and Family

Employers(typically notify the HR Department)

MOVING CHECKLIST

8

8 WEEK BEFORE YOU MOVE

InventorySheets:Createaninventorysheetofallyour belongingswhichneedtobemoved

ResearchMovingOptions:You’llneedtodecideifyoursisa do-it-yourselfmoveorifyou’llbeusingamovingcompany

RequestMovingQuote:Solicitmovingquotesfromasmany movingcompaniesandmoversaspossible Therecanbea largedifferencebetweenratesandserviceswithinmoving companies

DiscardUnnecessaryItems:Movingisagreattimefor riddingyourselfofunnecessaryitems Haveayardsaleor donateunnecessaryitemstocharity

PackingMaterial:Gathermovingboxesandpacking materialforyourmove

ContactInsuranceCompanies:You’llneedtocontactyour insuranceagenttocancel/transferyourinsurancepolicy

1 WEEK BEFORE YOU MOVE

YourChangeofAddress:Changeyouraddresswiththe USPS,DMV,FinancialInstitutions,Utilities,Government Offices,HealthCareServiceProviders,Memberships, SubscriptionsandInsuranceProvisions

BankAccounts:Transferorclosebankaccountsifchanging banks Makesuretohaveamoneyorderforpayingthe movingcompany

ServiceAutomobiles:Ifautomobilesaretobedrivenlong distance,you’llwanttohavethemservicedsoyouhavea trouble-freedrive

CancelServices:Notifyanyremainingserviceproviders (newspapers,lawnservices,etc)ofyourmove

TravelItems:Setasideallitemsyou’llneedwhiletraveling Makesurethesearenotpackedonthemovingtruck

ContactUtilityCompanies:Setutilityturnoffdate,seek refundsanddepositsandnotifythemofyournewaddress

4 WEEK BEFORE YOU MOVE

StartPacking:Beginpackingallthingsdestinedforyournew location

ObtainYourMedicalRecords:Contactyourdoctor,physician, dentistandothermedicalspecialistswhomaycurrentlybe retaininganyofyourfamily’smedicalrecords Obtainthese recordsormakeplansforthemtobedeliveredtoyournew medicalfacilitiesifchanging Securityiscriticalofpersonal records

NoteFoodInventoryLevels:Checkyourcupboards, refrigeratorandfreezer Useupasmuchofyourperishable foodaspossible

SmallEngines:Servicesmallenginesforyourmoveby extractinggasandoilfromthemachines Thiswillreduce thatchancetocatchfireduringyourmove

ProtectJewelryandValuables:Transferyourjewelryand valuablestoasafetydepositbox;youdon’twantthemtobe lostorstolenduringyourmove

BorrowedandRentedItems:Returnitemsthatyoumay haveborrowedorrented Collectitemsborrowedtoothers

MOVING DAY

PlanYourItinerary:Makeplanstospendtheentiredayat thehouseoratleastuntilthemoversareontheirway

Someonewillneedtobearoundtomakedecisions Make plansforkidsandpetstobeatasittersfortheday

ReviewtheHouse:Oncethehouseisempty,checkthe entirehouse(closets,attic,basement,etc)toensureno itemsareleftornohomeissuesexist

DoubleCheckWithYourMover:Ensurethemoverhasthe newpropertyaddressandallofyourmostrecentcontact information,shouldtheyhaveanyquestionsduringyour move

VacateYourHome:Makesureutilitiesareoff,doorsand windowsarelockedandnotifyyourrealestateagentyou’ve vacatedtheproperty

QuestionsToAsk:Whereisthegaragedooropener?Where arethekeystothehouse,mailboxandotherlockablearea? Didyouretrieveallkeysfromneighborsandfriends?

THE HOME DEPOT (800) 466-3337

wwwhomedepotcom

Beaverton (503) 469-4242

4401 SW 110th Ave Beaverton, OR 97005

S Beaverton (503) 646-1525

13700 NW Science Pk Dr

Portland 97229

Clackamas (503) 774-6372

9300 SE 82nd Ave

Happy Valley, OR 97086

Hillsboro (503) 693-9090

1950 SE Minter Bridge Rd

Hillsboro 97123

Jantzen Beach (503) 289-9200

1728 N Tomahawk Island Dr

Portland 97217

Oregon City (503) 723-3181

2002 Washington St Oregon City, OR 97045

E Portland (503) 261-8543

10120 SE Washington St Portland 97216

NE Portland (503) 252-0188

11633 NE Glen Widing Dr Portland 97220

Sherwood (503) 925-8447

20260 SW Pacific Hwy Sherwood, OR 97140

Tigard

(503) 639-3500

14800 SW Sequoia Parkway

Tigard 97224

MOVING RESOURCES

THE HOME DEPOT CONTINUED

Troutdale

(503) 674-3944

25101 SE Stark St Troutdale, OR 97060

LOWES

(800) 466-3337 wwwlowescom

Hillsboro (503) 844-6200

1951 SE 24th Ave Hillsboro, OR 97123

Milwaukie (503) 794-2500

13631 SE Johnson Rd. Milwaukie 97222

Portland (503) 737-3000

1160 N Hayden Meadows Dr Portland 97217

Tigard (503) 624-2644

12615 SW 72nd Ave

Tigard, OR 97223

Wood Village (503) 667-1005

1000 NE Wood Village Blvd Wood Village, OR 97060

DONATION FACILITIES

Goodwill (800) 741-0186

locatorgoodwillorg

The Salvation Army (800) 958-7825

wwwsalvationarmyusaorg

Value Village (800) 958-7825

wwwvaluevillagecom

MOVING TRUCK RENTALS

Budget (800) 462-8343 wwwbudgettruckcom

Penske (888) 996-5415

wwwpensketruckrentalcom

Ryder (800) 297-9337 wwwrydercom

U-Haul (800) 468-4285 wwwuhaulcom

STORAGE COMPANIES

NW Self Storage wwwnwselfstorage

Public Storage (800) 906-0879

wwwpublicstoragecom

Pods (888) 309-8967 wwwpodscom

TRANSFER STATIONS

Garbage/Recycling

Metro Center (503) 234-3000

wwworegonmetrogov 6161 NW 61st Ave Portland, OR 97210

Metro South (503) 234-3000

wwworegonmetrogov

2001 Washington St Oregon City, OR 97045

RESOURCE GUIDE

AIRPORT

Portland International Airport (877) 793-4690

www.flypdx.com

AUTO & DRIVER REGISTRATION

DMV (503) 945-5000

wwwodotstateorus/dmv/

BUS SERVICE

C-Tran (360) 695-0123 wwwc-trancom

Greyhound (800) 231-2222

wwwgreyhoundcom

Tri-Met (503) 238-7433

wwwtri-metorg

CABLE TV & INTERNET

Verizon (888) 881-8161

wwwverizoncom

XFINITY (Comcast) (800) 934-6489

wwwcomcastcom

CITY CONTACT

Banks (503) 324-5112

www.cityofbanks.org

Beaverton (503) 526-2222

wwwcibeavertonorus

Canby (503) 266-4021

wwwcicanbyorus

CITY CONTACT CONTINUED

Cornelius (503) 357-9112

www.ci.cornelius.or.us

Damascus (503) 658-8545

wwwcidamascusorus

Estacada (503) 630-8270

wwwcityofestacadaorg

Fairview (503) 665-7929

wwwcifairvieworus

Forest Grove (503) 359-3200

wwwciforest-groveorus

Gaston (503) 985-3340

Gladstone (503) 656-5225

wwwcigladstoneorus

Gresham (503) 661-3000

wwwcigreshamorus

Happy Valley (503) 760-3325

wwwcihappy-valleyorus

Hillsboro (503) 681-6100

wwwhillsboro-oregongov

King City (503) 639-4082

www.ci.king-city.or.us

Lake Oswego (503) 635-0270

wwwcioswegoorus

Milwaukie (503) 786-7525

wwwcicityofmilwaukieorg

CITY CONTACT CONTINUED

Molalla (503) 829-6855

wwwcityofmolallacom

North Plains (503) 647-5555

wwwnorthplainsorg

Oregon City (503) 657-0891

wwwciorcityorus

Portland (503) 823-4000

wwwportlandonlinecom

River Grove (503) 639-6919

Sandy (503) 668-5533

wwwcisandyorus

Sherwood (503) 625-5522

wwwcisherwoodorus

Tigard (503) 639-4171

wwwcitigardorus

Troutdale (503) 665-5175

wwwcitroutdaleorus

Tualatin (503) 692-2000

www.tualatinoregon.gov

West Linn (503) 657-0331

wwwwestlinnoregongov

Wilsonville (503) 682-1011

wwwciwilsonvilleorus

Wood Village (503) 667-6211

wwwciwood-village-orus

COUNTY CONTACTS

Clackamas (503) 655-8011

www.co.clackamas.or.us

Taxation (503) 655-8671

Multnomah (503) 248-3511

wwwcoclackamasorus

Taxation (503) 988-3326

Washington (503) 846-8611

wwwcoclackamasorus

Taxation (503) 846-8741

ELECTRICITY

Pacific Power (888) 221 7070

wwwpacificpowernet

Portland General (800) 542-8818

wwwportlandgeneralcom

HOSPITALS

Adventist Medical (503) 257-2500

wwwadventisthealthnwcom

Doernbecher Children’s Hospital (503) 494-8311

wwwohsuedu

Legacy Good Samaritan (503) 413-4683

wwwlegacyhealthorg

Legacy Emanuel (503) 413-2200

www.legacyhealth.org

RESOURCE GUIDE

HOSPITALS CONTINUED

Legacy Meridian Park (503) 692-1212

www.legacyhealth.org

Legacy Mt Hood (503) 674-1122

wwwlegacyhealthorg

Kaiser Permanente Sunnyside (503) 813-2000

wwwkaiserpermanenteorg

Kaiser Permanente Westside (503) 813-2000

wwwkaiserpermanenteorg

OHSU (503) 494-8311

wwwohsuedu

Providence Milwaukie (503) 513-8300

wwwprovidenceorg

Providence Portland (503) 215-1111

www.providence.org

Providence St Vincent (503) 216-1234

wwwprovidenceorg

Providence Willamette Falls (503) 656-1631

wwwprovidenceorg

Shriner’s Hospital (503) 241-5090

wwwshrinershqorg

Tuality Community (503) 681-1111

wwwtualityorg

Tuality Forest Grove (503) 357-2173

www.tuality.org

NATURAL GAS

NW Natural (800) 422-4012

www.nwnatural.com

NEWSPAPERS

The Columbian (360) 694-3391

wwwcolumbiancom

The Oregonian (503) 221-8240

wwworegonlivecom

Willamette Weekly (503) 243-2122

wwwwweekcom

RECREATION

Convention Center (503) 235-7575

wwworegonccorg

Expo Center (503) 736-5200

wwwexpocenterorg

Mt Hood Meadows (503) 337-2222

wwwmthoodmeadowscom

OMSI (503) 797-4000

www.omsi.edu

Oregon Zoo (503) 266-1561

wwworegonzoocom

Portland International Raceway (503) 823-7223

wwwportlandracewaycom

Portland Art Museum (503) 266-2811

wwwpamorg

RESOURCE GUIDE

RECREATION CONTINUED

Providence Park (503) 553-5400

www.providenceparkpdx.com

Regal Cinemas (800) FANDANGO

wwwregalcinemascom

Moda Center (503) 797-9619

wwwrosequartercom

Willamette Jetboat (503) 231-1532

wwwwillamettejetcom

SHOPPING

Bridgeport Village (503) 968-1704

www.bridgeport-village.com

Cedar Hills Crossing (503) 643-6563

wwwcedarhillscrossingcom

Clackamas Town Center (503) 653-6913

wwwclackamastowncentercom

Columbia Gorge Outlets (503) 669-8060

wwwpremiumoutletscom/ columbiagorge

Lloyd Center (503) 282-2511

wwwlloydcentercom

Mall 205 (503) 255-5805

Pioneer Place (503) 228-5800

wwwpioneerplacecom

SHOPPING CONTINUED

Streets of Tanasbourne (503) 533-0561

www.streetsoftanasbourne.com

Washington Square (503) 369-8860

wwwshopwashingtonsquarecom

Woodburn Outlets (888) 664-SHOP

wwwwoodburncompanystorescom

TELEPHONE SERVICE

Verizon (800) 483-4100

wwwverizoncom

AT&T (800) 288-2020

www.att.com

TRANSFER STATIONS

Metro Center (503) 234-3000

wwworegonmetrogov

6161 NW 61st Ave Portland, OR

Metro South (503) 234-3000

wwworegonmetrogov

2001 Washington St Oregon City, OR

Clackamas County (503) 668-8885

wwwwmnorthwestcom

19600 SE Canyon Valley Rd. Sandy, OR

VOTER REGISTRATION

Clackamas (503) 655-8510

Multnomah (503) 248-3720

Washington (503) 846-5800

WATER BUREAU

Beaverton (503) 526-2257

Clackamas (503) 722-9220

Gladstone (503) 656-5223

Gresham (503) 618-2373

Hillsboro (503) 681-6228

Lake Oswego (503) 635-0265

Milwaukie (503) 786-7525

Oregon City (503) 657-8151

Portland (503) 823-7770

Tigard (503) 639-1554

Tualatin (503) 692-2000

West Linn (503) 656-4261

Wilsonville (503) 682-1011

CYBER SECURITY

being sent to an outside account and never credited to the intended party

To protect and reduce your risk, WFG has implemented the following procedures for outgoing and incoming wires:

Outgoing Wire from WFG to seller or borrower for proceeds

In the escrow paperwork provided you will be asked to provide written instructions on how you want funds due you sent to you at the close of escrow If you choose to have the funds sent via wire transfer, WFG will contact you by phone to confirm the wire information provided.

Incoming Wires from the buyer and/or lender to WFG bank account

For funds that are to be wired to WFG for your transaction, we will send specific wire instructions to the remitting person via an encrypted email. We recommend you reach out to your WFG contact to confirm the wire instructions prior to remittance. g p , g

We look forward to processing your escrow transaction for you. We know that this can be a stressful time and we are here to assist you in any way we can to make this a good experience

http://nationalwfgnationaltitlecom/2016/04/05/obsess-cyber-security/

OWNERS TITLE INSURANCE

Why it's important

claims, or restrictions on the buyers property, other than the mortgage the buyer agrees to pay.

If the preliminary title search uncovers potential problems, a buyer can require that those problems be satisfactorily dealt with before closing on the home.

In addition, owner’s title insurance protects buyers against a myriad of risks that not even the most careful title search can uncover, including things such forged documents, undisclosed or missing heirs of a previous owner, fraud, will disputes, and unrecorded claims of many types.

Without owner’s title insurance, the legal costs to resolve such title claims could easily be in the tens of thousands of dollars and would have to be paid out of pocket by the buyer - not to mention the stress that such situations would cause to the buyer

Owner’s title insurance is one of the most affordable insurance policies a person can ever buy Unlike other forms of insurance, there is only a one-time fee at closing for the policy, which financially protects the buyer’s investment for as long as the buyer or the buyer’s heirs own the home.

So, if someone tells the buyer that owner’s title insurance is “optional”, that certainly does not mean that the buyer should not get it. Virtually every lender requires lender’s title insurance, but that insurance does not protect the buyer.

In order to safeguard the buyer’s investment in the property, which is possibly the most important investment the buyer will ever make, owner’s title insurance is absolutely critical.

WHAT IS ESCROW?

Both the buyer and seller rely on the escrow agent to carry out their written instructions relating to the transaction and to advise them if any of their instructions are not mutually consistent or cannot be carried out. If the instructions from all parties to an escrow are clearly drafted, the escrow officer can proceed on behalf of the buyer and seller without further consultation. This saves much time and facilitates the closing of the transaction.

TYPICAL ROLES IN THE CLOSING PROCESS

The Seller/Agent

Delivers a fully executed Purchase Sale Agreement to the escrow agent.

Executes the paperwork necessary to close the transaction

The Buyer/Agent

Deposits collected funds required to close (in with the escrow agent

Approves the commitment for title insurance, or other items as called for by the Purchase Sale Agreement

Executes the paperwork and loan documents necessary to close the transaction

The Lender

Deposits loan documents to be executed by the buyer

Deposits the loan proceeds

Directs the escrow agent of the conditions under which the loan funds may be used

The Escrow Agent

Clears Title

Obtains title insurance

Obtains payoffs and release documents for underlying loans on the property

Receives funds from the buyer and/or lender.

Prepares vesting document affidavit on seller’s behalf

Prorates insurance, taxes, rents, etc

Prepares a final statement (often referred to as the “HUD Statement” or ”Settlement Statement”) for each party, indicating amounts paid in conjunction with the closing of your transaction

Forwards deed to the county for recording

Once the proper documents have been recorded, the escrow agent will distribute funds to the proper parties

In Summary

Escrow is the process that assembles and processes many of the components of a real estate transaction. The sale is officially closed when the new deed is recorded and funds are available to the seller, thus transferring ownership from the seller to the buyer

The escrow agent is a neutral third party acting on behalf of the buyer and seller.

WHAT IS TITLE?

About Title Insurance

Title is a bundle of rights in real property. Protecting purchasers and lenders against loss is accomplished by the issuance of a title insurance policy Usually, during a purchase transaction, the lender requests a policy (commonly referred to as the Lender’s Policy) while the buyers receive their own policy (commonly referred to as an Owner's Policy)

In short, the policy states that if the status of the title to a parcel of real property is other than as represented, and if the insured (either the owner or lender) suffers a loss as a result of a title defect, the insurer will reimburse the insured for that loss and any related legal expenses, up to the face amount of the policy, subject to exceptions and exclusions contained in the policy

Typically there are two policies issued. The Mortgagee’s Policy insures the lender for the amount of the loan. The Owner’s Policy insures the purchaser of the purchase price.

How is title insurance different from other types of insurance?

While the function of most other forms of insurance is risk assumption through the pooling of risks for losses arising out of unforeseen future events (such as sickness or accidents), the primary purpose of title insurance is to eliminate risks and prevent losses caused by defects in title arising out of events that have happened in the past To achieve this goal, title insurers perform an extensive search and examination of the public records to determine whether there are any adverse claims (title defects) attached to the subject property Said defects/claims are either eliminated prior to the issuance of a title policy

or their existence is excepted from coverage. Your policy is issued after the closing of your new home, for a one-time nominal fee, and is good for as long as you own the property

What’s involved in a title search? A title search is actually made up of three separate searches:

Chain of Title – History of the ownership of the subject property Tax Search – The tax search reveals the status of the taxes and assessments

Judgment and Name Search – Searches for judgment and liens against the owners’ and purchasers’ names

Once the three searches have been completed, the file is reviewed by an examiner who determines:

Whether or not the Chain of Title shows that the party selling the property has the right to do so The status of taxes for the subject property The Tax Search will also indicate the existence of any special assessments against the land and whether or not these assessments are current or past due

Whether there are any unsatisfied judgments on the Judgment and Name Search against the previous owners, sellers, or and purchasers.

Rights established by judgment decrees, unpaid federal income taxes and mechanic liens all may be prior claims on the property, ahead of the buyer’s or lender’s rights The title search will only uncover defects in title that are of public record, thus allowing the title company to work with the seller to clear up these issues and provide the new buyer with title insurance

In Summary

After the searches have been examined, the title company will issue a commitment, stating the conditions under which it will insure title The buyer, seller and the mortgage lender will proceed with the closing of the transaction after clearing up any defects in the title that have been uncovered by the search and examination

.

WHO PAYS WHAT IN OREGON

SELLER PAYS

TYPICAL COSTS

The following costs generally affect all transactions:

Escrow Fee - one-half of the fee, based on title company’s fee schedule

Recording Fees - based on county fee schedule

Title Premium - based on fixed statewide fee schedule

Real Estate Commission - based on agreement with Broker

Tax Prorate - to apportion taxes between parties as of date of closing

General Costs - as listed for each specific transaction, as requested by principals

Release fees for loan payoff(s)

LAND SALE CONTRACT TRANSACTION

Attorney Fee - optional, and is sometimes shared with purchaser

Collection Escrow Setup Fee - optional, and is often shared with purchaser

ASSIGNMENT OF CONTRACT FOR ASSUMPTION OF LOAN TRANSACTION

Any delinquent payments to bring contract or loan current

Prorate share of current month’s interest based on current rate

CONVENTIONAL, FHA, VA LOAN TRANSACTIONS

Any closing cost (not expenses of property or loan interest) negotiated on behalf of the purchaser, subject to lender’s approval

FHA, VA Loans - check with lender for any applicable seller costs

BUYER PAYS

TYPICAL COSTS

The following costs generally affect all transactions:

Escrow Fee - one-half of the fee, based on title company’s fee schedule

Recording Fees - based on county fee schedule

Fire Insurance Premium - mandatory when any lender is involved, including the seller’s lender

Tax Prorate - to apportion taxes between parties as of date of closing

General Costs - as listed for each specific transaction, as requested by the principals

LAND SALE CONTRACT TRANSACTION

Attorney Fee - optional, and is sometimes shared with seller

Collection Escrow Setup Fee - optional, and is sometimes shared with seller

Recording Fee - for contract or memorandum thereof

ASSIGNMENT OF CONTRACT FOR ASSUMPTION OF LOAN TRANSACTION

Assumption or Assignment

Next monthly payment due, if required by lender

Recording Fee - for Assumption/Assignment of Agreement, if required by lender

CONVENTIONAL, FHA, VA LOAN TRANSACTIONS

Lenders title insurance policy & endorsements, as required by lender

Loan Fee - as required by lender

Credit Report Fee - as required by lender

Appraisal Fee - as required by lender

Mortgage Insurance Premium - based on fee schedule and endorsements of lender

Prepaid Interest - if required by lender

VA Loans only - funding fee, if required by lender

FHA, VA, and some Conventional Loans - reserves for real property taxes, fire insurance and mortgage insurance

DISCLAIMER:Thisflyerisnotintendedtobeanall-inclusivelistoffeesandchargesoneverytransaction,butratheraguidetothemajorcostsofbuyingorselling realproperty WFGwouldbehappytoreviewandexplainyourclosingcostpriortofinalizingthetransactions

TITLE VESTING

Common ways to hold title to real property

ASANINDIVIDUAL

Anindividualmayholdtitleinhisorhernameonly,regardlessofwhetherornotmarried–eg “JaneSmith,an individual” Thatindividualthenownsallrightstotheproperty,whichcanbesoldortransferredtoothersviawill ortrust Whileadivorceispending,however,ifthepropertywasacquiredduringthemarriageitwilllikelybe treatedaspartofthemaritalestateandthusbesubjecttocourtauthority.

ASTENANTSBYTHEENTIRETY

Aconveyancetoahusbandandwifecreatesatenancybytheentirety–eg “JohnSmithandJaneSmith, husbandandwife,astenantsbytheentirety” Thiscreatesasurvivorshipestate,whichmeansthatifonespouse dies,his/herinterestwillautomaticallygotothesurvivingspouse.Ahusbandandwifemayalsotaketitleas tenantsincommon(discussedbelow)iftheintentiontoholdtitleinthatmannerisexpresslystated

ASTENANTSINCOMMON

Unlessaconveyanceexpresslyprovidesthatthepartiesintendtocreateasurvivorshipestate(discussedbelow), aconveyancetotwoormorepersonswhoarenotmarriedcreatesatenancyincommoninwhicheachhas (unlessotherwisestated)anequalundividedinterestintheproperty–eg “JohnSmithandRobertJones,as tenantsincommon,eachastoanundivided50%interest” Eachtenantincommonthenownsanundivided interestintheentireproperty,whichcanbesoldortransferredtoothersviawillortrust

ASASURVIVORSHIPESTATE

Twoormorepersonswhoarenotmarriedmayalsoholdtitleastenantsincommonwitharightofsurvivorship, aslongasthesurvivorshipdeclarationisexpresslycontainedinthedeed–eg “JohnSmithandRobertJones, notastenantsincommon,butwiththerightofsurvivorship” Thiscreatesasurvivorshipestate,whichmeans thatifonepartydies,his/herinterestwillautomaticallygotothesurvivorandcannotbesoldduringthelifetime ofortransferredviawillortrustbythepartywhodiesfirst

ASREGISTEREDDOMESTICPARTNERS

Registereddomesticpartnersmaytaketitleas(i)tenantsincommon–e.g.“JaneSmithandMaryJones, registereddomesticpartners,astenantsincommon,eachastoanundivided50%interest”,or(ii)ina survivorshipestatesimilartothatofatenancybytheentirety–eg “JaneSmithandMaryJones,asregistered domesticpartnerswithrightofsurvivorship”

ASASAMESEXMARRIEDCOUPLE

Samesexmarriedcouplesmaytaketitleas(i)tenantsincommon–eg “JohnSmithandRobertSmith,a marriedcouple,astenantsincommon,eachastoanundivided50%interest”,or(ii)inasurvivorshipestate similartothatofatenancybytheentirety–eg JohnSmithandRobertSmith,amarriedcouplewithrightof survivorship,or(iii)astenantsbytheentirety–eg “JohnSmithandRobertSmith,amarriedcouple,astenants bytheentirety”.

ASANENTITY

Aregisteredentity,suchasacorporation,limitedliabilitycompanyorpartnership,mayholdtitle Titleshouldbe heldexactlyasthenameisregisteredwiththeOregonSecretaryofState–e.g.“Smith&Jones,LLC,anOregon limitedliabilitycompany”

DISCLAIMER–Theforegoingcontainsinformationalexamplesonlyandisnottobeconstruedaslegaladvice Giventhecomplexitiesinvolvedinacquiringandholding legaltitletorealproperty,WFGstronglyrecommendsthatyouseeklegaladvicefromanattorneypriortodoingso

SALMON

VANCOUVER

EAST

Altos Market Report

WFG's My Home

Talking House Tent Cards

CC&R's (if applicable)

The information contained is provided by WFG’s Customer Service Department to our customers, and while deemed reliable, is not guaranteed.

This week the median list price for Beaverton, OR 97007 is $744,995 with the market action index hovering around 41. This is an increase over last month's market action index of 40 Inventory has increased to 81.

Market Action Index

This answers “How’s the Market?” by comparing rate of sales versus inventory.

Real-Time Market Profile

In the last few weeks the market has achieved a relative stasis point in terms of sales to inventory However, inventory is sufficiently low to keep us in the Seller’s Market zone so watch changes in the MAI. If the market heats up, prices are likely to resume an upward climb.

Market Segments

Each segment below represents approximately 25% of the market ordered by price.

Median List Price

Prices in this zip code seem to have settled around a plateau. Look for a persistent down-shift in the Market Action Index before we see prices deviate from these levels.

Segments

In the quartile market segments, we see prices in this zip code have settled at a price plateau across the board. Prices in all four quartiles are basically mixed. Look for a persistent shift (up or down) in the Market Action Index before prices move from these current levels.

Price Per Square Foot

The market plateau is seen across the price and value. The price per square foot and median list price have both been reasonably stagnant. Watch the Market Action Index for persistent changes as a leading indicator before the market moves from these levels.

Inventory has been falling in recent weeks. Note that declining inventory alone does not signal a strengthening market. Look to the Market Action Index and Days on Market trends to gauge whether buyer interest is changing with the available supply.

Market Action Index

In the last few weeks the market has achieved a relative stasis point in terms of sales to inventory. However, inventory is sufficiently low to keep us in the Seller’s Market zone so watch changes in the MAI. If the market heats up, prices are likely to resume an upward climb.

Not surprisingly, all segments in this zip code are showing high levels of demand. Watch the quartiles for changes before the whole market changes. Often one end of the market (e.g. the high-end) will weaken before the rest of the market and signal a slowdown for the whole group.

Median Days on Market (DOM)

The properties have been on the market for an average of 113 days. Half of the listings have come newly on the market in the past 57 or so days. Watch the 90-day DOM trend for signals of a changing market.

It is not uncommon for the higher priced homes in an area to take longer to sell than those in the lower quartiles.

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• Contact information for

•

• entire escrow process

• via text, email, or

• for your transaction

• your escrow team

• milestone

•

TIMELINE

CONSUMER EXPERIENCE

TRANSACTION CLOSED

GATHER UP

SIGNING SCHEDULED

CLOSE TO SIGNING

TITLE CLEARED

UPDATER INVITATION

TITLE REPORT DELIVERED

TRANSACTION STARTED

MIDPOINT FEEDBACK

EARNEST MONEY

We believe these are the correct conditions and restrictions.

However, no examination of title has been made and WFG National Title assumes no liability.

COVENANTS, CONDITIONS &