HomeMy WebLinkAboutSC_19-26_ Speas a.
1
Issued by WiRO SC19-26
Surf City Permit Number
CAMA
MINOR DEVELOPMENT
PERMIT
NORTH CAROLINA
as authorized by the State of North Carolina, Department of Environmental Quality Environmental Quality
and the Coastal Resources Commission for development in an area of environment
concern pursuant to Section 113A-118 of the General Statutes, "Coastal Area
Management"
Issued to Stephen and Shannon Speas authorizing development in the Ocean Hazard (AECs) at 1815 N. Shore Drive, in
Surf City, Onslow County as requested in the permittee's application, dated May 17, 2019, and received by DCM on June 7,
2019This permit, issued on June 26, 2019, is subject to compliance with the application and drawing dated received by
DCM on June 11, 2019, (where consistent with the permit), all applicable regulations and special conditions and notes set
forth below. Any violation of these terms may subject the permittee to a fine, imprisonment or civil action, or may cause the
permit to be null and void.
This permit authorizes: Construction of a beach access walkway, deck and gazebo.
(1) All proposed development and associated construction must be done in accordance with the permitted drawing(s), dated
received by DCM on June 11, 2019.
(2) Any change or changes in the plans for development, construction, and/or land use activities will require re-evaluation and
modification of this permit.
(3) A copy of this permit shall be posted or available on site throughout the construction process. Contact this office at(910)796-
7221 for a final inspection at completion of work. ON `NOlDNIWIIM WOO
(Additional Permit Conditions on Page 2)
a3A1393a
This permit action may be appealed by the permittee or other qualified persons
within twenty (20)days of the issuing date. This permit must be on the project
site and accessible to the permit officer when the project is inspected for Jason Dail
compliance. Any maintenance work or project modification not covered under CA LOCAL PERMIT OFFICIAL
this permit,require further written permit approval.All work must cease when this 127 Cardinal Drive Extension
permit expires on:
Wilmingto NC 28405-3845
December31,2022 —.
In issuing this permit it is agreed that this project is consistent with the local Land - 4k71
Use Plan and all applicable ordinances. This permit may not be transferred to
another party without the written approval of the Division of Coastal PERMITTEE
Management. (Signature required if conditions above apply to permit)
r
Name: Stephen and Shannon Speas
Minor Permit#SC19-25
Date: June 26, 2019
Page 2 of 2
(4) The permittee is required to contact the Local Permit Officer (910) 796-7221, shortly before he plans to begin
construction to arrange a setback measurement that will be effective for sixty (60) days barring a major shoreline
change. Construction must begin within sixty (60) days of the determination or the measurement is void and must
be redone.
(5) Any structure(s) constructed within the Ocean Hazard area shall comply with the NC Building Code, including the
Coastal and Flood Plain Construction Standards of the N. C. Building Code, and the Local Flood Damage
Prevention Ordinance as required by the National Flood Insurance Program. If any provisions of the building code
or a flood damage prevention ordinance are inconsistent with any of the following AEC standards, the more
restrictive provision shall control.
(6) The authorized gazebo shall be a free-standing structure and shall not be structurally connected to the
authorized decking.
(7) This permit does not authorize the removal of sand or vegetation from/on/in the frontal dune, with exception of that
necessary for piling installation.
(8) With exception of the beach access walkway, 500 sq. ft. or less of elevated uncovered decking and 200 sq. ft.
gazebo, all other structure(s) must be set back a minimum of 60 feet from the First Line of Stable Natural Vegetation
(FLSNV), as determined by the DCM, the LPO, or another assigned agent of the DCM.
(9) All unconsolidated material resulting from associated grading and landscaping shall be retained on site by effective
sedimentation and erosion control measures. Disturbed areas shall be vegetated and stabilized (planted and
mulched)within 14 days of construction completion.
(10) Any structure authorized by this permit shall be relocated or dismantled when it becomes imminently threatened by
changes in shoreline configuration. The structure(s) shall be relocated or dismantled within two years of the time
when it becomes imminently threatened, and in any case upon its collapse or subsidence. However, if natural
shoreline recovery or beach renourishment takes place within two years of the time the structure becomes
imminently threatened, so that the structure is no longer imminently threatened, then it need not be relocated or
dismantled at that time. This condition shall not affect the permit holder's right to seek authorization of temporary
protective measures allowed under CRC rules.
(11) Pursuant to 15A NCAC, Subchapter 7J.0406(b), this permit may not be assigned, transferred, sold or otherwise
disposed of to a third-party.
NOTE: All construction must conform to the N.C. Building Code requirements and all other local, State and Federal
regulations, applicable local ordinances and FEMA Flood Regulations.
RECEIVED
JUL 1 7 2019
DCM WILMINGTON, NC
SIGNATURE:- DATE:4400v- k ��D /7
PERMITTEE
S\Ayfr N (7
/C/�� l C1 — 2 t OTHER PERMITS MAY BE REQUIRED:The activity you are planning may require permits other than the CAMA
Locality Permit Number �/ minor development permit,including,but not limited to:Drinking Water Well,Septic Tank(or other sanitary waste
treatment system),Building,Electrical,Plumbing,Heating and Mr Conditioning,Insulation and Energy Conservation,FIA
Ocean Hazard Estuarine Shoreline ORW Shoreline Public Trust Shoreline Other Certification,Sand Dune,Sediment Control,Subdivision Approval,Mobile Home Park Approval,Highway Connection,and
(For official use only) others.Check with your Local Permit Officer for more information.
GENERAL INFORMATION STATEMENT OF OWNERSHIP:
I,the undersigned,an applicant for a CAMA minor development permit,being either the owner of property in an AEC or a
LAND OWNER person authorized to act as an agent for purposes of applying for a CAMA minor development permit,certify that the person
Name Stephen T.Speas and wife,Shannon M.Speas listed as landowner on this application has a significant interest in the real property described therein.This interest can be
described as:(check one)
Address 4050 Carriage Manor Cove ✓m 4914
an owner or record title,Title is vested in Fee Simple ,see Deed Book
City Winston Salem State NC Zip 27106 Phone (910)455-0877 page 786 in the Onslow County Registry of Deeds.
Email sspeasl@triad.rr.com
Flan owner by virtue of inheritance.Applicant is an heir to the estate of
AUTHORIZED AGENT probate was in County.
Name Charles F.Riggs&Associates,Inc. Fl"f other interest,such as written contract or lease,explain below or use a separate sheet&attach to this application.
Address P.O.Box 1570 NOTIFICATION OF ADJACENT PROPERTY OWNERS:
City Jacksonville State NC Zip 28541 Phone (910)455-0877 I furthermore certify that the following persons are owners of properties adjoining this property.I affirm that I have given
ACTUAL NOTICE to each of them concerning my intent to develop this property and to apply for a CAMA permit.
Email riggsland@riggslandnc.com (Name) (Address)
(1) Ms.Sally G.Barbee,4110 Island Drive,Unit 105,North Topsail Beach,NC 28460
LOCATION OF PROJECT:(Address,street name and/or directions to site.If not oceanfront,what is the name of the
adjacent waterbody.)1815 North Shore Drive,Surf City,Onslow County (2) Mr.and Mrs.Ronald D.Sullivan,2238 West River Road,Newton Falls,OH 44444
(3)
DESCRIPTION OF PROJECT:(List all proposed construction and land disturbance.) Proposed Gazebo, (4)
Uncovered Deck and Dune Crossover
SIZE OF LOT/PARCEL: 7,800 square feet 0.180 acres ACKNOWLEDGEMENTS:
I,the undersigned,acknowledge that the land owner is aware that the proposed development is planned for an area which
PROPOSED USE:Residential 0 (Single-family CI Multi-family D. Commercial/Industrial❑ Other D may be susceptible to erosion and/or flooding.I acknowledge that the Local Permit Officer has explained to me the particu-
lar hazard problems associated with this lot.This explanation was accompanied by recommendations concerning stabiliza-
COMPLETE EITHER(1)OR(2)BELOW(Contact your Local Permit Officer if you are not sure which AEC applies tion and floodproofing techniques.
to your properly):
I furthermore certify that I am authorized to grant,and do in fact grant,permission to Division of Coastal Management staff,
(1) OCEAN HAZARD AECs:TOTAL FLOOR AREA OF PROPOSED STRUCTURE: 0 square feet(includes the Local Permit Officer and their agents to enter on the aforementioned lands in connection with evaluating information
air conditioned living space,parking elevated above ground level,non-conditioned space elevated above ground level but related to this permit application.
excluding non-load-bearing attic space) /�,
(2) COASTAL SHORELINE AECs:SIZE OF BUILDING FOOTPRINT AND OTHER IMPERVIOUS OR BUILT This the /7r1'i day of MAry ,20 19
i
UPON SURFACES:NIA square feet(includes the area of the roof/drip line of all buildings,driveways,covered decks, aii.. 4 P.,
concrete or masonry patios,etc.that are within the applicable AEC.Attach your calculations with the project drawing) Landowner or person authorize to act as is/her : or purpose of filing a CAMA permit application
STATE STORMWATER MANAGEMENT PERMIT:Is the project located in an area subject to a State Stormwater
Management Permitt issued by the NC Division of Water Quality? This application includes:general informatio . .rm),a site drawing as described on the hack of this application,the
YES I I NU ✓ I ownership statement,the Ocean Hazard AEC > here necessary,a check for$100.00 made payable to the locality and
any information as may be provided orally by t ° ' plicant.The details of the application as described by these sources are
If yes,list the total built upon area/impervious surface allowed for your lot or parcel: square feet. incorporated without reference in any permit which may be issued.Deviation from these details will constitute a violation of
any permit.Any person developing in an AEC without permit is subject to civil,criminal and administrative action.
RECEIVED
JUN 0 7 •9
DCM WILM►tvrrr,,,i .._
ROY COOPER
Governor
MICHAEL S. REGAN
Secretary
NORTH CAROLINA BRAXTON DAVIS
Environmental i�ualit}
Director
June 26, 2019
Stephen and Shannon Speas
4050 Carriage Manor Cove
Winston Salem, NC 27106
Dear Mr. and Mrs.Speas
Attached is CAMA Minor Development Permit SC 19-26 for work to be done at 1815 North Shore Drive,
in Surf City, Pender. An electronic copy has been sent to the Surf City Inspections Department and your
Agent.
To validate this permit, please sign both copies as indicated for our records. Retain the orange copy for
your files, and _ of receipt in the enclosed, self-addressed
envelope.
This is not a valid permit until it is signed and returned to our office.
Thank you for your prompt attention to this matter.
Si cerely,
L.52—
Tanya K. etila
ermit upport Technician
.C. Division of Coastal Management
Enclosures
Cc:WiRO files
SC Inspection Dept
Charles Riggs—Agent
State of North Carolina I Environmental Quality I Coastal Management
127 Cardinal Drive Ext.,Wilmington,NC 28405
EIP
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DEL 4519,P.51(B.23,LOT 6) M.B.9,P.70 SIR SET NON RCO
SYN SET MAGNETIC NAL(CONTROL CORNER)
EN SPK_SET PARKER-KALON NAL(CONTROL CORNER)
REVISIONS E -cS NTEF6NE
06/10/19: REVISED PROPOSED DECK &GAZEBO BOUNDARY SURVEY GRAPHIC SCALE
FOR • • N
HARLES F. RIGGS & ASSOCIATES, INC. (c-730 STEPHEN T. SPEAS & WIFE,
LAND SURVEYING - CONVENTIONAL & GLOBAL POSITIONING SYSTEMS, SHANNON M. SPEAS ,01 FM)
1 NNAN A.20 R
LAND PLANNING & COMPUTER MAPPING LOT 7, BLOCK 19 & LOT 8, BLOCK 23, SECTION 3, OLD SETTLERS BEACH SUBDIVISION, M.B. 9, P. 70
502 NEW BRIDGE STREET LANDFALL EXECUTIVE SUITES ACTUAL FIELD SURVEY DATE,TUNE 3. 2019
P.O.BOX ZES0T 1213 CULBRETH DRIVE STUMP SOUND TOWNSHIP, ONSLOW COUNTY, NORTH CAROLINA MAPPING DATE JUNE 10, 2019
JACKSONVILLE,NC 28540-1570 WILMINGTON, NC 28405 STEPHEN T. SPEAS & W1FE, SHANNON M. SPEAS: OWNER, D.B. 4914, P. 786 & D.B. 4519, P. 51 FIELD BOOK: 1058 PAGE: 45
TELEPHONE (910)455-0877 TELEPHONE: (910)681-7444 1814 & 1815 NORTH SHORE DRIVE 'PROJECT NUMBER: 19-03-05 I
E-MAIL riggeIandN7Figgelandnc.corn
CHARLES F. RIGGS &ASSOCIATES, INC.
Land Surveyors
Charles F.Riggs,P.L.S.L-2981 Corporate License(C-730) James A.Lewis,P.L.S.L-4562
502 New Bridge Street 502 New Bridge Street Landfall Executive Suites
Jacksonville,North Carolina 28540 P.O.Box 1570 1213 Culbreth Drive
(910)455-0877 Jacksonville,North Carolina 28541 Wilmington,North Carolina 28405
charlesriggs@riggslandnc.com (910)455-0877 (910)681-7444
jameslewis@riggslandnc.com
June 6,2019
To: Mr.Jason Dail
Division of Coastal Management
North Carolina Department of Environmental Quality
127 Cardinal Drive
Wilmington,North Carolina 28405
Re: Stephen T. Speas and wife, Shannon M. Speas Submittal for Minor CAMA Permit
Dear Mr. Dail:
On behalf of Stephen T. Speas and wife, Shannon M. Speas,Charles F.Riggs&Associates, Inc.
submits for your review the enclosed application for a Minor CAMA permit for the property at 1815
North Shore Drive, Surf City,Onslow County,North Carolina.
espectfully,
James L. Riggs
RECEIVED
JUN072019
OCEAN HAZARD AEC NOTICE
Project is in an: % Ocean Erodible Area High Hazard Flood Area Inlet Hazard Area
Property Owner: Stephen T.Speas and wife,Shannon M. Speas
Property Address: 1815 North Shore Drive,Surf City,Onslow County
Date Lot Was Platted: February 1967
This notice is intended to make you, the applicant,aware of the SPECIAL NOTE: This hazard notice is required for
special risks and conditions associated with development in this development in areas subject to sudden and massive storms and
area,which is subject to natural hazards such as storms,erosion erosion. Permits issued for development in this area expire on
and currents. The rules of the Coastal Resources Commission December 3I of the third year following the year in which the
require that you receive an AEC Hazard Notice and permit was issued. Shortly before work begins on the project
acknowledge that notice in writing before a permit for site,the Local Permit Officer must be contacted to determine the
development can be issued. vegetation line and setback distance at your site. If the property
has seen little change since the time of permit issuance,and the
The Commission's rules on building standards, oceanfront proposed development can still meet the setback requirement,
setbacks and dune alterations are designed to minimize, but not the LPO will inform you that you may begin work. Substantial
eliminate, property loss from hazards. By granting permits, the progress on the project must be made within 60 days of this
Coastal Resources Commission does not guarantee the safety of setback determination,or the setback must be re-measured.Also,
the development and assumes no liability for future damage to the occurrence of a major shoreline change as the result of a
the development. Permits issued in the Ocean Hazard Area of storm within the 60-day period will necessitate re-measurement
Environmental Concern include the condition that structures be of the setback. It is important that you check with the LPO
relocated or dismantled if they become imminently threatened before the permit expires for official approval to continue the
by changes in shoreline configuration.The structure(s) must be work after the permit has expired. Generally. if foundation
relocated or dismantled within two (2) years of becoming pilings have been placed and substantial progress is continuing,
imminently threatened, and in any case upon its collapse or permit renewal can be authorized. It is unlawful to continue
subsidence. work after permit expiration.
The best available information,as accepted by the Coastal For snore information,contact:
Resources Commission, indicates that the annual long-term
average ocean erosion rate for the area where your property is
located is feet per year.
Local Permit Officer
The rate was established by careful analysis of aerial
photographs of the coastline taken over the past 50 years.
Studies also indicate that the shoreline could move as much as Address
feet landward in a major storm.
The flood waters in a major storm are predicted to be about
feet deep in this area. Locality
Preferred oceanfront protection measures are beach nourishment
and relocation of threatened structures. Hard erosion control
structures such as bulkheads,seawalls,revetments,groins,jetties Phone Number
and breakwaters are prohibited. Temporary sand bags may be
authorized under certain conditions.
The applicant must acknowledge this information and
requirements by signing this notice in the space below. Without
the proper signature,the applicationon will not be complete.
i
Property Owner Signature Date f
RECEIVED
Revised May 2010
•
JUN 072019
CHARLES F. RIGGS &ASSOCIATES, INC.
Land Surveyors
Charles F.Riggs,P.L.S.L-2981 Corporate License(C-730) James A.Lewis,P.L.S.L-4562
502 New Bridge Street 502 New Bridge Street Landfall Executive Suites
Jacksonville,North Carolina 28540 P.O.Box 1570 1213 Culbreth Drive
(910)455-0877 Jacksonville,North Carolina 28541 Wilmington,North Carolina 28405
charlesriggs@riggslandnc.com (910)455-0877 (910)681-7444
jameslewis@riggslandnc.com
AGENT AUTHORIZATION FORM
Date: April 15, 2019
Name of Property Owner Applying for Permit:
_Stephen T. Speas and wife, Shannon M. Speas
Mailing Address:
4050 Carriage Manor Cove
Winston Salem NC 27106
I certify that I have authorized Charles F. Riggs & Associates, Inc. to act on my behalf, for the purpose
of applying for and obtaining all CAMA Permits necessary to install or construct decking for the existing
dwelling located at 1815 North Shore Drive, Surf City, Onslow County,NC and I grant permission to the
Division of Coastal Management to access the property to mark/flag:
X The First Line of Stable Natural Vegetation
The Coastal Wetlands
The Normal High Water Line
This authorization is valid thru April 15,2020
N j • ;:April 15, 2019_
Property Owner Signature Date
RECEIVED
JUN 0 7 2019
CERTIFIED MAIL • RETURN RECEIPT REQUESTED
DIVISION OF COASTAL MANAGEMENT
ADJACENT RIPARIAN PROPERTY OWNER NOTIFICATION/WAIVER FORM
Name of Property Owner: Stephen T. Speas and wife, Shannon M. Speas
Address of Property: 1815 North Shore Drive, Surf City, Onslow County
(Lot or Street#, Street or Road, City &County)
Agent's Name#: Charles F. Riggs & Assoc. Mailing Address: P. O. Box 1570
Agent's phone#: (910) 455-0877 Jacksonville, NC 28541
I hereby certify that I own property adjacent to the above referenced property. The individual
applying for this permit has described to me as shown on the attached drawing the development
they are proposing. A description or drawing, with dimensions, must be provided with this letter.
I have no objections to this proposal. I have objections to this proposal.
If you have objections to what is being proposed,you must notify the Division of Coastal Management
(DCM) in writing within 10 days of receipt of this notice. Contact information for DCM offices is
available at www.nccoastalmanagementnet/contact dcm.htm or by calling 1-888-4RCOAST. No
response is considered the same as no objection if you have been notified by Certified Mail.
WAIVER SECTION
I understand that a pie , k, mooring pilings, breakwater, boatho , , or groin must be set
back a minimum distance of 1 my area of riparian a unless waived by me. (If you
wish to waive the setback, you must ini e a late blank below.)
I do wish to waiv 5' setback requirem
not wish to waive the 15' setback requirement.
(Propert er of a ' (Adjacent Property Owner Information)
Signature Signature
Charles F. Riggs, a for application
Print or Type Name Print or Type Name
P. O. Box 1570 0
Mailing Address Mailing Address o-) z
Jacksonville, NC 28541 til N 00
City/State/Zip City/State/Zip
(910) 455-0877 U
Telephone Number Telephone Number
Z)51/7// 0
Date Date
Dr,fiend R/1 P/9/1/
CHARLES F. RIGGS & ASSOCIATES, INC.
Land Surveyors
•
Charles F.Riggs,P.L.S. L-2981 Corporate License(C-730) James A.Lewis,P.L.S.L-4562
502 New Bridge Street 502 New Bridge Street Landfall Executive Suites
Jacksonville,North Carolina 28540 P.O. Box 1570 1213 Culbreth Drive
(910)455-0877 Jacksonville,North Carolina 28541 Wilmington,North Carolina 28405
charlesriggs@riggslandnc.com riggslandnc.com (910)455-0877 (910)681-7444
jameslewis@riggslandnc.com
May 17, 2019
Mr. and Mrs. Ronald D. Sullivan &Others
2238 West River Road
Newton Falls, OH 44444
Re: Stephen T. Speas and wife, Shannon M. Speas Submittal for Minor CAMA Permit
Dear Mr. and Mrs. Sullivan&Others:
On behalf of Stephen T. Speas and wife, Shannon M. Speas, Charles F. Riggs&Associates, Inc. is
submitting to the Division of Coastal Management,North Carolina Department of Environmental Quality
the enclosed application for a CAMA permit for the property located at 1815 North Shore Drive, Surf
City, Onslow County, North Carolina. Stephen T. Speas and wife, Shannon M. Speas are planning to
construct a gazebo, an uncovered deck and dune crossover on the oceanside of their property, as shown
on attached map. We are required to notify the adjoiners of this submittal. Please review the package
and sign,address and date the form provided and place a check and your initials beside whether
you have objections or no objections to this. If you have no objections, please return the form to us in
the self-addressed stamped envelope provided. If you have objections, please send the form along with
your comments to Mr. Jason Dail, Division of Coastal Management, N.C. Department of Environmental
Quality, 127 Cardinal Drive, Wilmington, NC 28405 within 10 days of receipt of this notice.
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U.S. Postal Service
James L. Riggsin CERTIFIED MAIL® RECEIPT
it Domestic Mail Only
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o 0 Certified Mall Restricted Delivery $ in.CU I Here
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RECEIVEDPS Form 3800.April 2015 See Reverse 6.;i instructions
CHARLES F. RIGGS & ASSOCIATES, INC.
Land Surveyors
Charles F.Riggs,P.L.S. L-298I Corporate License(C-730) James A.Lewis.P.L.S.L-4562
502 New Bridge Street 502 New Bridge Street Landfall Executive Suites
Jacksonville,North Carolina 28540 P.O. Box 1570 1213 Culbreth Drive
(910)455-0877 Jacksonville.North Carolina 28541 Wilmington,North Carolina 28405
charlesriggsariggslandnc.com (910)455-0877 (910)681-7444
jameslewis@riggslandnc.com
May 17, 2019
Ms. Sally G. Barbee
4110 Island Drive, Unit 105
North Topsail Beach, NC 28460
Re: Stephen T. Speas and wife, Shannon M. Speas Submittal for Minor CAMA Permit
Dear Ms. Barbee:
On behalf of Stephen T. Speas and wife, Shannon M. Speas,Charles F. Riggs& Associates, Inc. is
submitting to the Division of Coastal Management, North Carolina Department of Environmental Quality
the enclosed application for a CAMA permit for the property located at 1815 North Shore Drive, Surf
City, Onslow County,North Carolina. Stephen T. Speas and wife, Shannon M. Speas are planning to
construct a gazebo, an uncovered deck and dune crossover on the oceanside of their property, as shown
on attached map. We are required to notify the adjoiners of this submittal. Please review the package
and sign,address and date the form provided and place a check and your initials beside whether
you have objections or no objections to this. If you have no objections, please return the form to us in
the self-addressed stamped envelope provided. If you have objections, please send the form along with
your comments to Mr. Jason Dail, Division of Coastal Management,N.C. Department of Environmental
Quality, 127 Cardinal Drive, Wilmington, NC 28405 within 10 days of receipt of this notice.
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U.S. Postal Service`"'
CERTIFIED MAIL° RECEIPT
ames L. Riggs ruDomestic Mail Only
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For delivery information,visit our website at www.usps.com
F?' 'ML USE
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c:iExtra services&Fees(check box, l
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O ❑Return Receipt(electronic) $ till.r t I Pam*
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co ❑Adult Signature Required $ $ (.0
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Total Postage and Fees 05/17/2019
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PS Form 3800,April 2015 i .,•verse for Ins011ctio03
ti-li ‘11111111MIPNIPP"r NC Division of Coastal Management $2 4 3 A B C�
Cashier's Official Receipt
Date: 6 r ( 20 ( `
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Received From: ,ep ir
$ 7 0/ 7 141--
Permit No.: Check No.:afd911/
Applicant's Name: ‘14 County:
Project Address: [pc tr .. /7e7 d, 4
Please retain receipt for your records as proof of payment for permit issued.
Signature of Agent or Applicant: Date ((,
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Signature of Field Representative: Date:
1 Date Date Check From Name of Vendor Check Check Permit Rct
Received Deposited Permit Holder Number amount Number/Comments
6/11/2019 Charles F. Riggs Stephen and First 16124 $100.00 minor fee, 1815 N. Shore Drive, JD rct
and Associates Inc. Shannon Speas Citizens Surf City OnCo 8243
Bank