DEN 18-01 Wise

Coastal Management
ENVIRONMENTAL QUALITY
January 11, 2018
CERTIFIED MAIL
RETURN RECEIPT REQUESTED
Mr. Joe Wise
1320 Hodges Road
Raleigh, NC 27604
Dear Mr. Wise:
ROY COOPER
Governor
MICHAEL S. REGAN
secretory
BRAXTON C. DAVIS
0)1-er Director
This letter is in response to your application for a Major Permit under the Coastal Area
Management Act (CAMA), in which authorization was requested to construct a retractable boat
cover over an existing boat lift adjacent to Waters Bay, at 708 Roland Avenue in Surf City,
Pender County. Processing of the application, which was received as complete by the Division
of Coastal Management's Wilmington Office on October 2, 2017 is now complete. Based on the
state's review, the Division of Coastal Management has made the following findings:
1) The existing docking facility consists of a fixed platform, floating dock, and a boatlift
measuring approximately 13' in length by I V in width. All structures are aligned parallel
to the shoreline immediately adjacent to the bulkhead.
2) The proposed project entails construction of a retractable "Touchless" boat cover over an
existing boat lift, which has been determined by the Division of Coastal Management to
be subject to rules pertaining to docks and boat houses set forth in 15A NCAC
07H .0208(b)(6). The proposed boat cover would measure 20' in length by I I' in width
and would be installed utilizing the existing boat lift pilings.
3) The shoreline of the property measures approximately 58 linear feet in length.
State of North Carolina I Environmental Quality l Coastal Management
Wilmington Office 1127 Cardinal Drive Extension I Wilmington, North Carolina 28405
910 796 7215

Mr. Joe Wise
January 11, 2018
Page 2
4) Based upon the above referenced findings, the Division has determined that the proposed
project is inconsistent with the following Rule of the Coastal Resources Commission:
a) 15A NCAC 07H.0208(b)(6)(D), which states, "boathouses shall not be allowed on
dots with less than 75 linear feet of shoreline".
Given the preceding findings, it is necessary that your request for issuance of a CAMA Major
Permit under. the Coastal Area Management Act be denied. This denial is made pursuant to
N.C.G.S. 113A-120(a)(8) which requires denial for projects inconsistent with the state guidelines
for Areas of Environmental Concern or local land use plans.
If you wish to appeal this denial, you are. entitled to a contested case hearing. The hearing will
involve appearing before an Administrative.Law Judge who listens to evidence and arguments of
both parties before. making a final decision on. the appeal. Your request for a hearing must be in
the form of a written petition, complying with the requirements of § 150B of the General Statutes
of North Carolina, and must be filed with the Office of Administrative Hearings, 6714 Mail
Service Center, Raleigh, NC 27699-6714, within twenty (20) days from the date of this denial
letter. A copy of this petition should be filed with this office.
Another response to a permit denial available to you is to petition the Coastal Resources
Commission for a variance to undertake a project that is prohibited by the Rules of the Coastal
Resources Commission. Applying for a variance requires that you first acknowledge and
recognize that the Division of Coastal`Management applied the Rules of the Coastal Resources
Commission properly in processing and issuing this denial. You may then request an exception
to the Commission's Rules based on hardships to you resulting from unusual conditions of the
property. To apply for a variance, you must file a petition for a variance with the Division of
Coastal Management Director and the State Attorney General's Office on a standard form, which
must be accompanied by additional information on the nature of the project and the reasons for
requesting a variance. The variance request may be filed at any time, but must be filed a
minimum of six weeks before a scheduled Commission meeting for the variance request to be
eligible to be heard at that meeting. The standard variance forms may be obtained by contacting
a member of my staff, or by visiting the Division's web page at:
https://deg.nc.gov/about/divisions/coastal-management/coastal-management-permits/variances-
aPr eals•
State of North Carolina I Environmental Quality I coastal Management
Wilmington Office 1127 Cardinal Drive Extension I Wilmington, North Carolina28405
9107967215

Mr. Joe Wise
January 11, 2018
Page 3
Members of my staff are available to assist you should you desire to modify your proposal in the
future. If you have any questions concerning this matter, please contact Ms. Heather Coats at
[phone].
Sincerely
Braxton C. Davis
cc: Col. Robert J. Clark — U.S. Army Corps of Engineers, Wilmington, NC
0CRM/N0AA, Silver Spring, MD
Mr. Gary Ange, Agent
StateofNorth Carolina I Environmental Quality l Coastal Management
Wilmington Office 1127 Cardinal Drive Extension I Wilmington, North Caroluia28405
9107967215

Coastal Management
ENVIRONMENTAL QUALITY
January 11, 2018
CERTIFIED MAIL
RETURN RECEIPT REQUESTED
Mr. Joe Wise
1320 Hodges Road
Raleigh, NC 27604
Dear Mr. Wise:
ROY COOPER
Covemor
MICHAEL S.,REGAN
Seaerary .
BRAXTON C. DAVIS
Director
This letter is in response to your application for a Major Permit under the Coastal Area
Management Act (CAMA), in which authorization was requested to construct a retractable boat
cover over an existing boat lift adjacent to Waters Bay, at 708 Roland Avenue in Surf City,
Pender County. Processing of the application, which was received as complete by the Division
of Coastal Management's Wilmington Office on October 2, 2017 is now complete. Based on the
state's review, the Division of Coastal Management has made the following findings:
1) The existing docking facility consists of a fixed platform, floating dock, and a boatlift
measuring approximately 13' in length by 11' in width. All structures are aligned parallel
to the shoreline immediately adj acent to the bulkhead.
2) The proposed project entails construction of a retractable "Touchless" boat cover over an
existing boat lift, which has been determined by the Division of Coastal Management to
be subject to rules pertaining to docks and boat houses set forth in 15A NCAC
07H .0208(b)(6). The proposed boat cover would measure 20' in length by 11' in width
and would be installed utilizing the existing boat lift pilings.
3) The shoreline of the property measures approximately 58 linear feet in length.
State of North Carolina I Environmental Quality I Coastal Management
Wilmington Office 1127 Cardinal Drive Extension I Wdmington.NorthCaro1ina2840S
9107967215

n ,-
Mr. Joe Wise
January 11, 2018
Page 2
4) Based upon the above referenced findings, the Division has determined that the proposed
project is inconsistent with the following Rule of the Coastal Resources Commission:
a) 15A NCAC 07H.0208(b)(6)(D), which states, "boathouses shall not be allowed on
lots with less than 75 linear feet of shoreline".
Given the preceding findings, it is necessary that your request for issuance of a CAMA Major
Permit under the Coastal Area Management Act be denied. This denial is made pursuant to
N.C.G.S. 113A-120(a)(8) which requires denial for projects inconsistent with the state guidelines
for Areas of Environmental Concern or local land use plans.
If you wish to appeal this denial, you are entitled to a contested case hearing. The hearing will
involve appearing before an Administrative.Law Judge who listens to evidence and arguments of
both parties before making a final decision on the appeal. Your request for a hearing must be in
the form of a written petition, complying with the requirements of § 150B of the General Statutes
of North Carolina, and must be filed with the Office of Administrative Hearings, 6714 Mail
Service Center, Raleigh, NC 27699-6714, within twenty (20) days from the date of this denial
letter. A copy of this petition should be filed with this office.
Another response to a permit denial available to you is to petition the Coastal Resources
Commission for a variance to undertake a project that is prohibited by the Rules of the Coastal
Resources Commission. Applying for a variance requires that you first acknowledge and
recognize that the. Division of Coastal Management applied the Rules of the Coastal Resources
Commission properly in processing and issuing this denial. You may then request an exception
to the Commission's Rules based on hardships to you resulting from unusual conditions of the
property. To apply for a variance, you must file a petition for a variance with the Division of
Coastal Management Director and the State Attorney General's Office on a standard form, which
must be accompanied by additional information on the nature of the project and the reasons for
requesting a variance. The variance request may be filed at any time, but must be filed a
minimum of six weeks before a scheduled Commission meeting for the variance request to be
eligible to be heard at that meeting. The standard variance forms may be obtained by contacting
a member of my staff, or by visiting the Division's web page at:
appeals.
State of North Carolina I EnvironmentalQualtyl Coasml Management
Wilmington Office 1127Cardinal Drive Extension I Wilmington. North Carolina 28405
9107967215

■ Complete items 1, 2, and 3.
■ Print your name and address on the reverse
so that vve can return the card to you.
■ Attach this card to the back of the mailpiece,
or on the front if space permits.
Mr. Joe Wise
1320 Hodges Road
Raleigh, NC 27604
IIIIIIII111111IIIIIIIIIIIIIIIII III INIIIIIIII
9590 9402 1529 5362 7368 52
7008 1830 0000 7330 0206
X
B. Received by (Printed Name)
aftirmAchlZov%
W
❑ Prbnty Mall Express®
0 Registered Mall -
El Registered Mel$ Restricted
Certified Mail Restdcled Delivery
Wlelum Reosipl for
Collect on Delivery
Merclisndise
Collect on Delivery Restricted Delivery
❑ Signature Confinnation'�
ured Mail
❑ Signature Confirmation
ured Mail Restricted Delivery
>r.QSr
Restricted Delivery
July 2015

USPSf9�9MI}jII(c u
I III � III III III
Perms iNo. G-10 Paitl
9590 9402 1529 5362 7368 52
United States
Postal Service
your name,
i.u. utw,wjn oT Goasmi ivi'anayerrieni
40U Commerce Avenue
Morehead City : 28551
808 280P
wise. 'Dnr�o
r,-

Mr. Joe Wise
January 11, 2018
Page 3
Members of my staff are available to assist you should you desire to modify your proposal in the
future. If you have any questions"concerning this matter, please contact Ms. Heather Coats at
[phone].
Sincerely,,
Braxton C. Davis
cc: Col. Robert J. Clark — U.S. Army Corps of Engineers, Wilmington, NC
OCRM/NOAA, Silver Spring, MD
Mr. Gary Ange, Agent
State. of North Carolina I Environmental Quality l Coastal Management
Wilmington0ffice 1127 Canliml Drive Extension I Wtlmington, North Carolina28405
9t07967215

1'�
DIVISION OF COASTAL MANAGEMENT
APPLICATION TRANSMITTAL AND PROCESSING RECORD
1) APPLICANT: Joe Wise
PROJECT NAME: Wise Boathouse
COUNTY: Pender
LOCATION OF PROJECT: 708 Roland Ave., adjacent to Waters Bay, in Surf City
DATE APPLICATION RECEIVED COMPLETE BY FIELD:10-2-17 ✓✓
FIELD RECOMMENDATION: Attached: Yes To Be Forwarded: n/a
CONSISTENCY DETERMINATION: Attached: No
FIELD REPRESENTATIVE: Jason Dail _
DISTRICT MANAGER REVIEW: A'a
B) DATE RECEIVED BY MAJOR PERMITS UNIT:
PUBLIC NOTICE REC'D: 10-8-17 ✓
p1vcw (-tkw 9110
ADJ. RIP. PROP NOTICES REC'D: lmw" tc ee-w ci i7
APPLICATION ASSIGNED TO:
C) 75 DAY DEADLINE:
MAIL OUT DATE:10-5-17
FEDERAL DUE DATE:
PERMIT FINAL ACTION: ISSUE DENY
To Be Forwarded: n/a
DISTRICT OFFICE: WILMINGTON
FEE REC'D: $250/#5023 ✓
END OF NOTICE DATE: 10-29-17 ✓
DEED REC'D- (0 it
ON: l (CS in
150 DAY DEADLINE:
STATE DUE DATE: 10-29-17
FED COMMENTS REC'D:
DRAFT
9?jA AGENCY CLosw
141 LoA15iS — 800Trw-W SL.
N. AV-003 OU PLAN iSOFi.
DATE
COMMENTS
RETURNED
OBJECTION
S:
YES NO
NOTES
Division of Community Assistance
1 % V, -I
i
Division of Coastal Management-LUP Consistency
11. 1 1 1
Public Water Section (DWR)
3 10 1
/
Land Quality Section (DEMLR)
10 g11-7
/
Division of Water Resources - 401 Section
t 11-711 "
VQ
a p Q 2 JI 7 127Z
Storm Water Management (DEMLR)
111 1$" 1-7
✓
State Property Office
(e l7
Division of Archives & History
Division of Marine Fisheries - Shellfish Section
1'0/17-,
Division of Highways (NCDOT)
10 l Z 17
z ,�
Wildlife Resources Commission
IO 20 11
4 a
Local Permit Officer
O C T 10 2017
Dept. of Cultural Res / Underwater Archaeology
Division of Marine Fisheries - DCM
Corps of Engineers - Regulatory Branch

b>z
RECOMMENDATIONS FOR — Joe Wise October 5, 2017
The total area of proposed boathouse area was calculated as follows:
Shoreline length = +/-58' x 8' = 464 sq. ft. maximum allowable
Proposed boathouse = 11' wide by 20'long = 220 sq. ft.
Existing fixed platform = 5' x 24' = 120 sq. ft.
Existing floating dock = 6' x 20' = 120 sq. ft.
Total= 460 sq. ft.
The applicant's proposal to install a boathouse is INCONSISTENT with the use standards set
forth in NCAC 07H .0208(b)(6)(D), which states: "Boathouses shall not be allowed on lots with
less than 75 linear feet ofshoreline."
Based on the Rules established by the Coastal Resources Commission, as cited above, it is
staffs recommendation that the proposed project be DENIED.
RECEW D
OCT 10 2017
DCM- MHD CITY

EAF
MEMORANDUM
To: Heather Coats
From: Michael Christenbury, Wilmington District Planner'
Subject: Consistency Determination, Major Permit Application, Joe Wise, Surf
City, Pender County
Date: December 12, 2017
TION: , _. _ ..
This project is consistent with the 2005 Surf City Land Use Plan Update.
The applicant proposes to install a boathouse over an existing boatlift. The project is
located at 708 Roland Avenue in Surf City, Pender County.
Areas of Environmental Concern (AEC's) impacted by the proposal are PT and EW.
Waters at the project site are classified as SA and are not open to the harvest of shellfish.
The area is a Primary Nursery Area.
I have reviewed this proposal for consistency with the 2005 Surf City Land Use Plan
Update and offer the following comments.
The general area of the project is classified as Conservation.
In general, Surf City allows development in Conservation classified areas and AECs,
which is consistent with the State's minimum use standards. The Surf City Land Use
Plan contains some policies and discussion, which exceed the State's minimum use
standards. However, none of these policies are applicable to this project.
This project appears to be consistent with the 2005 Surf City Land Use Plan Update.
Cc: File

Wr
Coastal Management
ENVIRONMENTAL QUALITY
October 5, 2017
TO:
Mark Zeigler
Division of Community Assistance
Wilmington Regional Office
ROY COOPER
Governor
MICHAEL S. REGAN
Secretary
BRAXTON DAVIS
D recrar
FROM: Heather Coats, Assistant Major Permits Coordinator
NCDEQ - Division of Coastal Management
127 Cardinal Drive Ext., Wilm., NC 28405 heather. coatsanncdenroov
Fax: [phone] (Courier 04-16-33)
SUBJECT: CAMA Application Review
Applicant: Joe Wise
Project Location: 708 Roland Ave., adjacent to Waters Bay, in Surf City, Pender Co.
Proposed Project: to install a boathouse over an existing boatlift
Please indicate below your agency's position or viewpoint on the proposed project and
return this form to Heather Coats at the address above by October 29, 2017. If you have any
questions regarding the proposed project, contact Jason Dail at [phone] when appropriate
in-depth comments with supporting data is requested.
REPLY: This agency has no objection to the project as proposed.
"Additional comments may be attached"'
This agency has no comment on the proposed project.
This agency approves of the project only if the recommended changes
are incorporated. See attached.
This agency objects to the project for reasons described in the attached
comments.
SIGNED �� C/Iy� DATED 0c f jl /j 7
State of North Carolina I Environmental Quality I Coastal Management
127 Cardinal Drive Ezt., Wilmington, NC 28405
910-796-7215

Coastal Management
ENVIRONMENTAL QUALITY
October 5, 2017
TO:
Heidi Cox
Regional Engineering Supervisor
Public Water Supply-WiRO
ROY COOPER
Governor
MICHAEL S. REGAN
Secremry
BRAXTON DAVIS
Director
Jjvi ocr
NiR%O pcbicl ers�Apis
Y
FROM: Heather Coats, Assistant Major Permits Coordinator
NCDEQ - Division of Coastal Management
127 Cardinal Drive Ext., Wilm., NC 28405 heather. coatsCcilncdenrpov
Fax: [phone] (Courier 04-16-33)
SUBJECT: CAMA Application Review
Applicant: Joe Wise
Project Location: 708 Roland Ave., adjacent to Waters Bay, in Surf City, Pender Co.
Proposed Project: to install a boathouse over an existing boatlift
Please indicate below your agency's position or viewpoint on the proposed project and
return this form to Heather Coats at the address above by October 29, 2017. If you have any
questions regarding the proposed project, contact Jason Dail at [phone] when appropriate
in-depth comments with supporting data is requested.
REPLY: This agency has no objection to the project as proposed.
**Additional comments may be attached**
This agency has no comment on the proposed project.
This agency approves of the project only if the recommended changes
are incorporated. See attached.
This agency objects to the project for reasons described in the attached
comments.
DATED I U//o 1 /7
RECEIVED
DCM WILMINGTON, NC
State of North Carolina I Environmental Quality I Coastal Management 1 O C 0 O1
127 Cardinal Drive Ext., Wilmington, NC 28405 OCT I
910-796-7215

.\09
Coastal Management
ENVIRONMENTAL QUALITY
ROY COOPER
Governor
MICHAEL S. REGAN
Secretary
BRAXTON DAVIS
Director
October 5, 2017
®cr °5 20y'
TO: Dan Sams eY�
District Manager-DEMLR
Wilmington Regional Office
FROM: Heather Coats, Assistant Major Permits Coordinator
NCDEQ - Division of Coastal Management
127 Cardinal Drive Ext., Wilm., NC 28405 heather. coatsanncdenr.gov
Fax: [phone] " 041 ren o 3ti 3
SUBJECT: CAMA Application Review
Applicant: Joe Wise
Project Location: 708 Roland Ave., adjacent to Waters Bay, in Surf City, Pender Co.
Proposed Project: to install a boathouse over an existing boatlift
Please indicate below your agency's position or viewpoint on the proposed project and
return, this.fo�th fo`Heather Coate at the address above by October 29, 2017. If you have any
questions regarding the proposed project, contact Jason Dail at [phone] when appropriate
in-depth comments with supporting data is requested.
REPLY: This agency has no objection to the project as proposed.
**Additional comments may be attached**
This agency has no comment on the proposed project.
This agency approves of the project only if the recommended changes
are incorporated. See attached.
This agency objects to the project for reasons described in the attached
comments.
SIGNED DATED oc-T 6 7A17
RECEIVED
State of North Carolina I Environmental Quality I Coastal Management DCM WILMINGTON, NC
127 Cardinal Drive Ext., Wilmington, NC 28405 0 C T' 0 9 2011
910-796-7215

ROY COOPER
Governor
r;u
Coastal Management
ENVIRONMENTAL QUALITY
October 5, 2017
TO: Robb Mairs
rr 401 Wetlands
DWR-WiRO
RECEIVED/NDDENR/DWR
OCT D 5 2017
Water Quality Regional
Operations Section
Wilmington Regional Office
MICHAEL S. REGAN
Secretary,
BRAXTON DAVIS
Director
FROM: Heather Coats, Assistant Major Permits Coordinator
NCDEQ -, Division of Coastal Management
127 Cardinal Drive Ext., Wilm., NC 28405 heather. coats(o)ncdenr.gov
Fax: [phone] Cou7ter 016 33)33)
SUBJECT: CAMA Application Review
Applicant: Joe Wise
Project Location: 708 Roland Ave., adjacent to Waters Bay, in Surf City, Pender Co.
Proposed Project: to install a boathouse over an existing boatlift
Please indicate below your agency's position or viewpoint on the proposed project and
return this�4orin to Heather. Loafs at the address above by October 29, 2017. If you have any
questions regarding the proposed project, contact Jason Dail at [phone] when appropriate
in-depth comments with supporting data is requested.
REPLY: Tjs agency has no objection to the project as proposed.
Additional comments may be attached**
This agency has no comment on the proposed project. t� 1pf MEm!
This agency approves of the project only if the recommended changes G
are incorporated. See attached.
This agency objects to the project for reasons described in the attached
comments..
SIGNED ,t;',r r DATED
State of North Carolina I Environmental Quality I Coastal Management
127 Cardinal Drive Ext., Wilmington, NC 29405
910-796-7215

M
Coastal Management
ENVIRONMENTAL QUALITY
October 5, 2017
ECEIVE
OCT 0 5 2017
BY•
ROY COOPER
Governor
MICHAEL S. REGAN
Secretary
BRAXTON DAVIS
Director
TU: Georgette Scott
Stormwater Section
DEMLR - WiRO
FRQiIA: Heather Coats, Assistant Major Permits Coordinator
` NCDEQ - Division of Coastal Management
127 Cardinal Drive Ext., Wilm., NC 28405 heather. coatscDncdenroov
Fax: [phone] (Courier 04-16-33)
SUBJECT: CAMA Application Review
Applicant: Joe Wise
Project Location: 708 Roland Ave., adjacent to Waters Bay, in Surf City, Pender Co.
Proposed Project: to install a boathouse over an existing boatlift
Please indicate below your agency's position or viewpoint on the proposed project and
return this form to Heather Coats at the address above by October 29, 2017. If you have any
questions regarding the proposed project, contact Jason Dail at [phone] when appropriate
in-depth comments with supporting data is requested.
REPLY: This agency has no objection to the project as proposed.
**Additional comments may be attached**
This agency has no comment on the proposed project.
This agency approves of the project only if the recommended changes
are incorporated. See attached.
This agency objects to the project for reasons described in the attached
comments.
DATED k)�/y 117
RECEIVED
DCM WILMINGTON, NC
OCT 18 2017
State of North Carolina I Environmental Quality I Coastal Management
127 Cardinal Drive Ext., Wilmington, NC 28405
910-796-7215

Energy, Mineral &
Land Resources
ENVIRONMENTAL QUALITY
October 26, 2017
Mr. Joe Wise
1320 Hodges Street
Raleigh, NC 27604
Subject: EXEMPTION
Stormwater Project No. SW8171019
Wise Boathouse Project
Pander County
Dear Mr. Wise:
ROY COOPER
Governor
MICHAEL S. REGAN
Secretary
TRACY DAVIS
Director
On October 5, 2017, the Wilmington Regional Office of the Division of Energy, Mineral, and Land Resources received
a copy of the CAMA Major Permit Application for the subject project. Staff review of the plans and specifications on
October 10, 2017 has determined that the development activities proposed at this time will not pose a threat to
surface water quality from stormwater runoff. The Director has determined that projects that are reviewed and
approved by the Division as not posing a water quality threat from stormwater runoff should not be subject to the
stormwater management permitting requirements of 15A NCAC 2H.1000, the stormwater rules. By copy of this letter,
we are informing you that this project will not require a stormwater management permit.
If the subject project disturbs one acre or more and has a point source discharge of stormwater runoff, then it is also
subject to the National Pollutant Discharge Elimination System (NPDES) stormwater discharge requirements. You
are required to have an NPDES permit for stormwater discharge from projects meeting these criteria. All temporary
built -upon area associated with the construction of the pro11'ect must be removed within 30 days of completion of the
project, or when it is no longer needed, whichever occurs f rst.
If you have any questions or need additional information concerning this matter please contact Georgette Scott at
[phone], or via e-mail at [e-mail].
Since ly,
For Tracy E. Davis, P.E., Director
Division of Energy, Mineral, and Land Resources
GDSlgds: %StormwaterlPermits & Projects12017 \171019 Exemption1201710 permit 171019
cc: Gary Ange
Pander County Building Inspections
Jason Dail/Shaun Simpson-DCM WIRO
DCM Morehead City RECEIVED
Wilmington Regional Office Stormwater File
OCT'31 2017
DCM- MHD CITY
State of North Carolina I Envtranniental quality Energy, mineral and Land Resources
Wilmington Regional Office 1127 Cardinal Drive Extension I WSInlington, NC 28405
910796 721.$

Coastal Management
ENVIRONMENTAL QUALITY
October 5, 2017
TO:
Tim Walton
Dept of Administration
State Property Office
RECEIVED
OCT 0 9 2017
DOA
STATEPROPERTY
OFFICE
ROY COOPER
Governor
MICHAEL S. REGAN
Secretary
BRAXTON DAVIS
Director
FROM: Heather Coats, Assistant Major Permits Coordinator
NCDEQ - Division of Coastal Management
127 Cardinal Drive Ext., Wilm., NC 28405 heather. coatsC�ncdenrgov
Fax: [phone] (Courier 04-16-33)
SUBJECT: CAMA Application Review
Applicant: Joe Wise
Project Location: 708 Roland Ave., adjacent to Waters Bay, in Surf City, Pender Co.
Proposed Project: to install a boathouse over an existing boatlift
Please indicate below your agency's position or viewpoint on the proposed project and
return this form to Heather Coats at the address above by October 29, 2017. If you have any
questions regarding the proposed project, contact Jason Dail at [phone] when appropriate
in-depth comments with supporting data is requested.
REPLY: This agency has no objection to the project as proposed.
dei,%4, i ✓ ddditional comments may be attached"
ram' ��er
This agency has no comment on the proposed project.
pit elf i1��5 Cnur<i This agency approves of the project only if the recommended changes
I; are incorporated. See attached.
This agency objects to the project for reasons described in the attached
comments.
SIGNED DATED
RECEIVED
DCM WILMINGTON, NC
State of North Carolina I Environmental Quality I Coastal Management
127 Cardinal Drive Ext., Wilmington, NC 28405 OCTy x ^Lo��
910-796-7215 b

\7
Coastal Management
ENVIRONMENTAL QUALITY
October 5, 2017
TO:
Renee Gledhill -Early
Dept. of Cultural Resources
Archives & History
IIIItI{I OCT 10 2017
HISTORIC PRESERVATION OFFICE
ROY COOPER
cavewo,
MICHAEL S. REGAN
Secretary
BRAXTON DAVIS
Liwau,
A , w rr* to-1-5^17
DIL'-. 101 a-�
FROM: Heather Coats, Assistant Major Permits Coordinator
NCDEQ - Division of Coastal Management
127 Cardinal Drive Ext., Wilm., NC 28405 heathercoatsCDncdenrgov
Fax: [phone] (Courier 04-16-33)
SUBJECT: CAMA Application Review
Applicant: Joe Wise
Project Location: 708 Roland Ave., adjacent to Waters Bay, in Surf City, Pender Co.
Proposed Project: to install a boathouse over an existing boatlift
Please indicate below your agency's position or viewpoint on the proposed project and
return this form to Heather Coats at the address above by October 29, 2017. If you have any
questions regarding the proposed project, contact Jason Dail at [phone] when appropriate
in-depth comments with supporting data is requested.
REPLY: This agency has no objection to the project as proposed.
"Additional comments may be attached"
This agency has no comment on the proposed project.
SIGNED
This agency approves of the project only if the recommended changes
are incorporated. See attached.
This agency objects to the project for reasons described in the attached
comments.
DATED 1()' 75 ' (�-
DCM I-VILMINGTON, NC
n r T 2 5 2017
State or Nonh Carolina I rnvironmemat Quality I Coitaalal Management 127 Cardinal Drive Exl., Wilmington, NC 28405
910-796-7215 OCT I 1 q
7017

Coastal Management
ENVIRONMENTAL QUALITY
October 5, 2017
TO:
Shannon Jenkins
NC DMF
Shellfish Sanitation Section
ROY COOPER
Governor
MICHAEL S. REGAN
Secretary
BRAXTON DAVIS
DnYclor
FROM: Heather Coats, Assistant Major Permits Coordinator
NCDEQ - Division of Coastal Management
127 Cardinal Drive Ext., Wilm., NC 28405 heather. coatsanncdenrpov
Fax: [phone] (Courier 04-16-33)
SUBJECT: CAMA Application Review
Applicant: Joe Wise
Project location: 708 Roland Ave., adjacent to Waters Bay, in Surf City, Pender Co.
Proposed Project: to install a boathouse over an existing boatlift
Please indicate below your agency's position or viewpoint on the proposed project and
return this form to Heather Coats at the address above by October 29, 2017. If you have any
questions regarding the proposed project, contact Jason Dail at [phone] when appropriate
in-depth comments with supporting data is requested.
REPLY: This agency has no objection to the project as proposed.
"Additional comments may be attached"
This agency has no comment on the proposed project.
This agency approves of the project only if the recommended changes
are incorporated. See attached.
This agency objects to the project for reasons described in the attached
comments.
SIGNE
ui Stlanncvt Je.,Iih,:gs
DATED N lZ 1
Received
OCT 12 2017
State of North Carolina I Environmental Quality I Coastal Management DC M
127 Cardinal (hive Ext., Wilmington, NC 28405
910-796-7215

Coastal Management
ENVIRONMENTAL QUALITY
October 5, 2017
TO.
David Harris
NC DOT
Roadside Environmental Unit
OCT 1E2017
ROY COOPER
Ciocemur
MICHAEL S. REGAN
secretary
BRAXTON DAVIS
DLYCVr
FROM Heather Coats, Assistant Major Permits Coordinator
NCDEQ - Division of Coastal Management
127 Cardinal Drive Ext., Wilm_ NC 28405 heather. coatsCa ncdenrgov
Fax: [phone] (Courier 04-16-33)
SUBJECT, CAMA Application Review
Applicant: Joe Wise
Project Location: 708 Roland Ave., adjacent to Waters Bay, in Surf City, Pender Co.
Proposed Project: to install a boathouse over an existing boatlift
Please indicate below your agency's position or viewpoint on the proposed project and
return this form to Heather Coats at the address above by October 29, 2017. If you have any
questions regarding the proposed project. contact Jason Dail at [phone] when appropriate
in-depth comments with supporting data is requested
REPLY: This agency has no objection to the project as proposed
"*Additional comments may be attached"
This agency has no comment on the proposed project.
This agency approves of the project only if the recommended changes
are incorporated. See attached.
This agency objects to the project for reasons described in the attached
comments I I'
SIGNED —/W"�`uK Ill DATED IO L ZO(
Slate or Nosh Carolina', I:noiroameRtal Quality Coastal Mmag<nen
127 Cardinal Dnv Ext. Wihnmgton. NC_28405
9I0-7%-7215
tt=sECEiVED
DGM WILMINGTON, NC
0 C T 12 Y017

►31A
Coastal Management
ENVIRONMENTAL QUALITY
October 5, 2017
TO:
G - t9. %0-VL. 02
Maria Dunn
NC Wildlife Resources Commission
For WiRO
ROY COOPER
Gnoemor
MICHAEL S. REGAN
secretary
BRAXTON DAVIS
Dmecror
OCT 2017
! YED
CIIIIIII §Y�on
FROM: Heather Coats, Assistant Major Permits Coordinator
NCDEQ - Division of Coastal Management
127 Cardinal Drive Ext., Wilm., NC 28405 heather. coats(cDncdenrpov
Fax: [phone] (Courier 04-16-33)
SUBJECT: CAMA Application Review
Applicant: Joe Wise
Project Location: 708 Roland Ave., adjacent to Waters Bay, in Surf City, Pander Co.
Proposed Project: to install a boathouse over an existing boatlift
Please indicate below your agency's position or viewpoint on the proposed project and
return this form to Heather Coats at the address above by October 29, 2017. If you have any
questions regarding the proposed project, contact Jason Dail at [phone] when appropriate
in-depth comments with supporting data is requested.
REPLY: This agency has no objection to the project as proposed.
/ "Additional comments may be attached`*
V This agency has no comment on the proposed project.
This agency approves of the project only if the recommended changes
are incorporated. See attached.
This agency objects to the project for reasons described in the attached
comments.
SIGNED 0", l T-7:� ,
DATE
State of North Carolina I Environmental Quality I Coastal Management
127 Cardinal (hive Eat_ Wilmington, NC 28405
910-796-7215
RECEIVED
DCM WILMINGTON NC
OCT 20 c,�,

CoastatManagement
ENVIRONMENTAL QUALITY
October 5, 2017
TO:
Curt Weychert
Fisheries Resource Specialist
MHC-DCM
ROY COOPER
Co.Mr
MICHAEL S. REGAN
Secremry
BRAXTON DAVIS
Dincror
FROM: Heather Coats, Assistant Major Permits Coordinator
NCDEQ - Division of Coastal Management
127 Cardinal Drive Ext., Wilm., NC 28405heather.coats(d)ncdenrgov
Fax:[phone]
SUBJECT: CAMA Application Review
Applicant: Joe Wise
Project Location: 708 Roland Ave., adjacent to Waters Bay, in Surf City, Pender Co.
Proposed Project: to install a boathouse over an existing boattift
Please indicate below our a ency's position or viewpoint on the proposed project and
t the address above by October 29, 2017. If you have any
questions regarding the proposed project, contact Jason Dail at [phone] when appropriate
in-depth comments with supporting data is requested.
REPLY: This agency has no objection to the project as proposed.
**Additional comments may be attached**
This agency has no comment on the proposed project.
This agency approves of the project only if the recommended changes
are incorporated. See attached.
This agency objects to the project for reasons described in the attached
comments.
11)SIGNED DATED Io l0
RECEIVED
DCM WILMINGTON, N
OCT 10 2017 RECEIVED
OCT 10 2017
Slate dNMh Carolina I Eawmn.. el Qaalily I Coastal Manngcmml
127 Cardinal Drive E.1, Wilminglm, NC 28405 DC�dA— pAHD CITY
910-796-7215 6O �Vi 7V9r1 CITY

0
OCM MP-1
APPLICATION for
Major Development Permit
(last revised 12/27106)
North Carolina DIVISION OF COASTAL MANAGEMENT
1. PrimaryApplicant/ Landowner Information
Business Name
Project Name (if applicable)
Applicant 1: First Name
b e,r�
MI
Last Name
Last Name
Applicant 2: First Name
MI
If additional applicants, please attach an additional pages) with names listed.
Mailing Address � � � r.� � �
PO Box
C' '.�
State
ZIP � � I .
a 4-
Couvntry
PhonetNo.
1
r�
gf b
�
O
F No -N
Street Address (d different from above)
City
State
ZIP
Email
2. Agent/Contractor Information
Business Name
Agent/ Contractor 1: Fi Name
MI
Last Name
Agent/ Contractor 2: First Name
MI
Last Name
Mailing Address J o7
In�A1
(f i 1 ^ Od
Pa�oVt
IIJr
Cit" r� I'A
Vv
ZIP
2.
Phone No. 1
1�
1 0 � i � SJ
hone No. 22
Md.
FAX No.
Contractor #
Street Address (ifdrfferenf from above)
City
State
ZIP
Email
0�r
�
<Form continues on back>
DCM- MHDcEIVED
DCMWIILLMINGTON,NC
252-808-2808 :: 1.688.4RCOAs i :: www.nccoastalmanagement.nX T 02 2017

Form DCM MP-1 (Page 2 of 4) APPLICATION for \Qf&
Major Development Permit
3. Project Location
County (can be multiple)
Street Address
�NT2 AAF
State Rd. #
Subdivision Name
City
�vK P CTr`/
Stat
G
Zips
Phone No.
Lot No.(s) (d many, attach additional page with list)
- - ext.
I I I,
a. In which NC river basin is the project located?
b. Name of body of water nearest to proposed project
6
c. Is th water body identified In (b) above, natural or manmade?
d. Name the closest major water bodytothe proposed project she.
Natural ❑Manmade ❑Unknown
SOO
e. Iposed work within city limits or planning jurisdiction?
f. If applicable, list the planning jurisdiction or city limit the proposed
es ❑No
work falls within.
4. Site Description
a. Total length of shoreline on the tract (ft.)
b. Size of entire tract (sq.ftf.)
c. Size of individual lot(s)
^vI
d. Approximate elevation of tract above NHW (normal high water) or
NWL (normal water level) '
(If many lot sizes, please attach additional page with a list)
❑NHW or ❑NWL (�-
e. Vegetation on tract
GAW kl &A% D�►.fl� M�(��"/kL ��S P j �1Pr
f. Man-made features and uses now on tract
}
1J I t��i�� ��j/y,, ID Wi1f��/i(L
g. Identify and describe the existing land uses de iacent to the proposed project site.
,P€S � Dl(�or1Kf__
h. How does local government zone the tract?
I. Is the proposed project consistent with the applicable zoning?
�N' � � 'fj /�O
Wo (�-'��
( zoning compliance certificate, 'd applicable)
Yas []No ❑NA
j. Is the proposed activity part of an urban waterfront redevelopment proposal? ❑Yes VO
k. Hasa professional archaeological assessment been done for the tract? If yes, attach a copy. []Yes []No
If yes, by whom?
I. Is the proposed project located in a National Registered Historic District or does ft involve a ❑Yes []No NA
National Register listed or eligible property?
'FA �.%10Cm0VIL;�P
<Form continues on next page> OCT 10 2017
NC
252-808.2808 .. 1.888-4Re, .- vvww.nccoastalmanagement.net OCT 022017

Form DCM MP-1 (Page 3 of 4)
APPLICATION for
Major Development Permit
m. (1) Are there wetlands on the site? ❑Yea bNo
(ii) Are there coastal wetlands on the site? ❑�Yes Z(No
(III) If yes to either (i) or (ii) above, has a delineation been conducted? []Yes tto
(Attach documentation, it available)
n. Describe existing wastewater treatment facilities.
N-P- My 1S) C ) 0 L- � V1
o. Describe existing drinking water supply source.
�-
p. Describe existing stone water management or treatment systems.
i
5. Activities and Impacts
a. Will the project be for commercial, public, or private use? ❑C mercial ❑PubliclGovemment
rivate/Community
b. Give a brief description of purpose, use, and daily operations of the project when complete.
c. Describe the proposed construction methodology, types of construction equipment to be used during construction, the number of each type
of equipment and where it is to be stored.
A��R(�� Co�S�2U`GTV`t)r\l
d. List all development activities you propose.
BOW eZV6 -
e. Are the proposed activities maintenance of an existing project, new work, or both?
f. What is the approximate total dis yrbed land area resulting from the proposed project! ❑Sq.Ft or ❑Aues
g. Will the proposed project encroach on any public easement, public acoessway or other area []Yes No ❑NA
that the public has established use of?
h. Describe location and type of existing and proposed discharges to waters of the state.
N�
i. Will wastewater or stonnwater be discharged into a wetland? ❑Yes Wo
If yes, wig this discharged water be of the same salinity as the receiving wafer? ❑Yes ❑No ❑NA
j. Is there any mitigation proposed? ❑Yes VCo NA
If yes, attach a mitigation proposal.
tutivtu
<Form continues on back> RECEIVED
OCT 10 2017 DCM WILMINGTON, NC
252-808-2806 .. 1.888-4RCOAST .. Wt-'W.o,ccoa n n t

Form DCM MP-1 (Page 4 of 4) APPLICATION for ,41�
Major Development Permit
B. Additional Information
In addition to this completed application form, (MP-1) the following items below, if applicable, must be submitted in order for the application
package to be complete. Items (a) — (Q are always applicable to any major development application. Please consult the application
instruction booklet on how to property prepare the required items below.
a. A project narrative.
b. An accurate, dated work plat (including plan view and cross -sectional drawings) drawn to scale. Please give the present status of the
proposed project. is any portion already complete? If previously authorized work, clearly indicate on maps, plats, drawings to distinguish
between work completed and proposed.
c. A site or location map that is sufficiently detailed to guide agency personnel unfamiliar with the area to the site.
d. A copy of the deed (with state application only) or other instrument under which the applicant claims title to the affected properties.
e. The appropriate application fee. Check or money order made payable to DENR.
f. A list of the names and complete addresses of the adjacent waterfront (riparian) landowners and signed return receipts as proof that such
owners have received a copy of the application anQplats by certified mail. Such landowners must be advised that they have 30 days in
which to submit cgmments on the proposedact to the Division of Coastal Management.
Name Phone No.
Address Y2, -0 ' C Z
Name
Address
�'/- ��5. Phone �No. ^�
p (»� �� Y�e ze � ! S VI' ©
Name —i Phone No.
Address
g. A list of previous state or federal permits issued for work on the project tract. Include permit numbers, pennittee, and issuing dates.
h. Signed consultant or agent authorization forth, 'd applicable.
I. Wetland delineation, if necessary.
j. A signed AEC hazard notice for projects in oceanfront and inlet areas. (Must be signed by property owner)
k. A statement of compliance with the N.C. Environmental Policy Act (N.C.G.S. 113A 1-10), if necessary. If the project involves expenditure
of public funds or use of public lands, attach a statement documenting compliance with the North Carolina Environmental Policy Act.
7. Certification and Permission to Enter on Land I
I understand that any permit issued in response to this application will allow only the development described in the application.
The project will be subject to the conditions and restrictions contained in the permit.
1 certify that I am authorized to grant, and do in fact grant permission to representatives of state and federal review agencies to
enter on the aforementioned lands in connection with evaluating information related to this permit application and follow-up
monitoring of the project.
I further certify that the information provided in this applicatio is truthful to the st of my knowledge.
Date % . I Print Name
Signature RECEIVED
Please indicate application attachments pertaining to your proposed project. 0 C T 10 2017
❑DCM MP-2 Excavation and Fill Information ❑DCM MP-5 Bridges and Culverts
❑DCM MP-3 Upland Development DCM- MHD CITY
❑DCM MP-4 Structures Information
RECEIVED
DCM WILMINGTON, NO
252-808-2808 .. 1-888-4RCOAST .. www.nccoastaimanagement.net OCT01r

Y{�
Form DCM MP-4
STRUCTURES
(Construction within Public Trust Areas)
Attach this form to Joint Application for CAMA Major Permit, Form DCM MP-1. Be sure to complete all other sections of the Joint
Application that relate to this proposed project. Please include all supplemental information.
1. DOCKING FACILITY/MARINA CHARACTERISTICS
a. (i) Is the docking facility/marina: ,,,�,f�
❑Commercial ❑Public/Government �,tdYrlvate/Community
This section not applicable
b. (i) Will the facility be open to the general public?
❑Yes 90
c. (i) Dock(s) and/or pier(s)
d. (i) Are Finger Piers included? []Yes ❑No
(ii) Number
If yes:
(iii) Length
(ii) Number
(iv) Width
(iii) Length
(v) Floating ❑Yes ❑No
(iv) Width
(v) Floating ❑Yes ❑No
e. (i) Are Platforms included? ❑Yes ❑No
f. (i) Are Boatlifts included? ❑Yes ❑No
If yes:
If yes:
(ii) Number
(ii) Number
(iii) Length
(iii) Length
(iv) Width
(iv) Width
(v) Floating ❑Yes ❑No
Note: Roofed areas are calculated from dripline dimensions.
g. (i) Number of slips proposed
h. Check all the types of services to be provided.
❑ Full service, including travel lift and/or rail, repair or
_
(ii) Number of slips existing
maintenance service
❑ Dockage, fuel, and marine supplies
—
❑ Dockage ('Wet slips') only, number of slips:
❑ Dry storage; number of boats:
❑ Boat ramp(s); number of boat ramps:
❑ Other, please describe:
i. Check the proposed type of siting:
j. Describe the typical boats to be served (e.g., open runabout,
❑ Land cut and access channel
charter boats, sail boats, mixed types).
❑Open water; dredging for basin and/or channel
RECEIVED
[]Open water; no dredging required
[]Other; please describe:
OCT 102017
OCAan MH® CITY
k. Typical boat length:
I. (i) Will the facility be open to the general public?
❑Yes ❑No
m. (i) Will the facility have tie pilings?
❑Yes []No
(ii) If yes number of tie pilings?
RECEIVED
DCM WILMINGTON, NC
OCT 0 2 2017
252-808-2808 :: 1-888-4RCOAST :: www.nccoastaimanagement.net
revised: 12/27/06

Form DCM MP-4 (Structures, Page 2 of 4) W-1
2. DOCKING FACILITY/MARINA OPERATIONS This section not applicable
a. Check each of the following sanitary facilities that will be included in the proposed project.
❑ Office Toilets
❑ Toilets for patrons; Number: _; Location:
❑ Showers
❑ Boatholding tank pumpout; Give type and location:
b. Describe treatment type and disposal location for all sanitary wastewater.
C. Describe the disposal of solid waste, fish offal and trash.
d. How will overboard discharge of sewage from boats be controlled?
e. (i) Give the location and number of 'No Sewage Discharge signs proposed.
(ii) Give the location and number of "Pumpout Available" signs proposed.
I. Describe the special design, d applicable, for containing industrial type pollutants, such as paint, sandblasting waste and petroleum products.
g. Where will residue from vessel maintenance be disposed of?
It. Give the number of channel markers and "No Wake' signs proposed. _
i. Give the location of fuel -handling facilities, and describe the safety measures planned to protect area water quality.
j. What will be the marina policy on overnight and live -aboard dockage?
k. Describe design measures that promote boat basin flushing?
I. If this project is an expansion of an existing marina, what types of services are currently provided?
m. Is the marina/docking facility proposed within a primary or secondary nursery area?
❑Yes ❑No
(RECEIVED
OCT 10 2017
PT91 11 B 1(I ■ I PIRM
RECEIVED
DCM WILMINGTON. NC
96T 0 2 2017
252-808-2808 :: 1-888-4RCOAST :: www.r ccoastalmanaaement.net revised: l2/27106

Form DCM MP-4 (Structures, Page 3 of 4)
w
n. Is the marina/docking facility proposed within or adjacent to any shellfish harvesting area?
❑Yes []No
o. Is the marina/docking facility proposed within or adjacent to coastal wetlands/marsh (CW), submerged aquatic vegetation (SAV), shell bottom
(SB), or other wetlands (WL)? If any boxes are checked, provide the number of square feet affected.
❑CW ❑SAV ❑SB
OWL ❑None
p. Is the proposed marina/docking facility located within or within close proximity to any shellfish leases? []Yes ❑No
If yes, give the name and address of the leaseholder(s), and give the proximity to the lease.
3. BOATHOUSE (including covered lifts) ❑This section not applicable
a. (i) Is the boathouse structure(s):
❑Commercial ❑PubliciGovemment Vnvate/Community
(ii) Number
(iii) Length
(iv) Width
Note: Roofed areas are calculated from dripline dimensions.
14. GROIN (e.g., wood, sheetpile, etc. If a rock groin, use MP-2, Excavation and Fill.) (This section not applicable
a. (i) Number
(ii) Length _
(ii) Width
15. BREAKWATER (e.g., wood, sheetpile, etc.) This section not applicable
a. Length
c. Maximum distance beyond NHW, NWL or wetlands
b. Average distance from NHW, NWL, or wetlands
6. MOORING PILINGS and BUOYS This section not applicable
a. Is the structure(s):
❑Commercial ❑PubliclGovemment ❑Private/Community
C. Distance to be placed beyond shoreline
Note: This should be measured from marsh edge, if present.
e. Arc of the swing
7. GENERAL
b. Number
d. Description of buoy (color, inscription, size, anchor, etc.)
DECEIVED
OCT 10 2017
DCM- MHO (`J1'1yCECEIVED
DDCCMM WILMINGTON, NC
OCT 0 2 2011
252-808-2808 :: 1-888-4RCOAST :: www.nccoastalmanagement.net revised: 12/27/06

Form DCM MP-4 (Structures, Page 4 of 4)
a. Prc-i, 1 structure(s) to adjacer' riparian property lines
' �Zo
Note: For buoy or mooring piling, ,.ae am of swing including length
ofvesset
c. Width of we r body
-J�� f)
e. (i) Will navigatio al aids be required as a result of the project?
OYes f9ho ONA
(ii) If yes, a plain what type and how they will be implemented.
b. Prorir•ity of structure(s) to adjacent docking facilities.
W 3V F 31�-"
d. Water depth at waterward end of structure at NLW or NWL
& OTHER
a. Give complete description: /-
n vK II el VIL. o vIn �(t_ J�udA less too
W tS'c
Project Name
`YWSO';� J W tl-TC
Applicant N
Applicant Signature
section not applicable
RECEIVED
OCT 10 2017
DCM- MHD CITY
RECEIVED
DCM WILMINGTON, NC
OCT 0 2 2017
252-808-2808 :: 1-888-4RCOAST :: www.nccoastaimanaaement.net revised: 12/27/06

v
Nov�i�vk �
5r�n�o rs
D
n
io
4
m
m
m
ri 2
Z _
WO O
a N
w2
C
Vn �70 SCG� �
{ Po
`4'N�W /
-Avt.
G �-_J
45

Page 1 of 1
Debra, just a follow up on request for letter or email on your definition and regulations for the Touchless Boat
Cover. I do understand your Boathouse rules, mainly the 75 feet and 400 square feet limit. (therefore permit
and requested variance) or establish new rules for Covers like Touchless
The Touchless cover would go on current pilings and inside the current lift system using only current or
approved dock and lifts and electricity. A majority of lifts and boats in this area are 20 to 30 feet in length and 10
feet wide (300 SQ. ft.) Most boats are covered with canvas to protect seats and equipment from sun damage
just like the Touchless system they can be removed (pictures included below)
Again, time and technology makes advances and I believe the Touchless system is a better system
Removable, not a permanent structure like a boat house, this system would also benefit our aging population
with a better way to enjoy using our beautiful waters. I'm also sure the ADA rules would like this system for
ease of our retirees, with the push of a button.
Jason, has been a great resource and I look forward working with him and your department in finding a way to
improve the enjoyment for our citizens.
These Touchless Covers are currently being used in lakes in NC,SC and VA. (Smith Mountain Lake in VA has
100's in NC Lake Gaston,Kerr, Tillery etc) and all along the ICW VA to FL so a precedent has been
established.
I will be in Wilmington tomorrow (27th) if you have time to do a face to face
Thanks in Advance
Joe Wise
1320 Hodges St.
Raleigh, NC 27604-1414
919-815-0213
RECEIVE®
OCT 10 2017
®CM- MHD CITY
RECEIVED
DCM WILMINGTON, NC
OCT 0 2 2017
Wednesday, July 26, 2017 AOL: Jwise99

8/16/2017
gis.pendermuntync.gov/maps/default.htm?P[N=
M
Search Results Layers
Results List
Details
2 Features Found (Showing 1 of 2)
< Prev Next >
PARCELS
PIN
(http://gls.pendercountync.gov/TaxCardReader/Defauft.e
Id=4235-71-1565-0000)
CALCACRES
NAME
ADDR
CITY
STATE
ZIP
PROPERTY ADDRESS(DBLINK.aspx?id=4235-71-1565-OOi
PROPERTY DESCRIPTON
DATE
SALE_PRICE
Deed Reference
(http://gis.pendemountync.gov/RODSeamh/default.aspxS
Td=A&71 H f1 R\
Buffer
hftp://gis.pendercountync.gov/maps/default.htm?PIN=
County Home Page (http://v
RECEIVED
OCT 10 2017
RECEIVED
DCM- MHD CITY DCM WILM NGTON, NC
OCT 0 2 2017 1/1

Coastal Management
ENVIRONMENTAL QUALITY
December 11, 2017
Mr. Gary Ange
107 Candlewood Drive
Wallace, NC 28466
Dear Mr. Ange:
ROY COOPER
Governor
MICHAEL S. REGAN
Seavary
BRAXTON C. DAVIS
Dvector
This letter is with reference to your application for a Coastal Area Management Act Major
Development permit, acting as agent for Mr. Joe Wise, to undertake development activities at
property adjacent to Waters Bay, at 708 Roland Avenue, Surf City, Pender County.
Additional time is needed for this office to complete the review and make a decision on your
request. Therefore, it is necessary that the standard review time be extended. An additional 75
days is provided by G.S. 113A-122(c) which would make March 1, 2018, the new deadline for
reaching a decision on your request. However, we expect to take action prior to that time and will
do so as soon as possible. In the interim, if you have any question on the status of your application,
do not hesitate to contact me by phone [phone] or e-mail at: [e-mail].
Sincerely,
Axvt &-;Z�i
Heather Coats
Assistant Major Permits Coordinator
cc: Wilmington Files
MHC Files
State of North Carolina I Environmental Quality I Coastal Management
Wilmington Office 1 127 Cardinal Drlve Eztenston I Wilmington. North Carolina 28405
9107%7215

1f"Ll
DIVISION OF COASTAL MANAGEMENT
FIELD INVESTIGATION REPORT
1. APPLICANT'S NAME: Joe Wise
2. LOCATION OF PROJECT SITE: 708 Roland Avenue, Surf City, Pender Co. NC.
Photo Index — 2006: 26-6628, E-10
State Plane Coordinates - Lat: 34°25.945'N Long: 77°33.007' W
X:2437178 Y:251554
3. INVESTIGATION TYPE: CAMA
4. INVESTIGATIVE PROCEDURE: Dates of Site Visit — 10/3/17
Was Applicant Present —No
5. PROCESSING PROCEDURE: Application Received Complete — 10/2/17
Office - Wilmington
6. SITE DESCRIPTION:
(A) Local Land Use Plan — Surf City, Pender County
Land Classification from LUP — Developed / Conservation
(B) AEC(s) Involved: EW, PT
(C) Water Dependent: Yes
(D) Intended Use: Private
(E) Wastewater Treatment: Existing - Onsite septic
Planned - None
(F) Type of Structures: Existing — Single Family Residence, existing bulkhead and private
docking facility.
Planned — Boathouse — "Touchless" boat cover
(G) Estimated Annual Rate of Erosion: N/A
Source - N/A
7. HABITAT DESCRIPTION: [AREA]
DREDGED FILLED OTHER
(A) Vegetated Wetlands - Coastal
(B) Non -Vegetated Wetlands
(Open water
220 sq. ft.
(incorporated)
(C) Other — High ground
(D) Total Area Disturbed: 220 sq. ft.
(E) Primary Nursery Area: YES
(F) Water Classification: SA Open: NO
8. PROJECT SUMMARY: The applicant proposes to install a boathouse over an existing boatlift.
RECEIVED
OCT 10 2017
DCM- MHD CITY

Joe Wise
Page Two
PROJECT DESCRIPTION:
The project site is located at 708 Roland Avenue, adjacent to Waters Bay, in Surf City, Pender County. To
get to the site from the Wilmington Regional Office, take US Hwy 17 N to NC Hwy 210 (approximately
15 miles) and turn right. Continue approximately 2 miles along NC Hwy 210 and turn right at the
intersection of NC Hwy 210 and Rowland Ave. Travel approximately 1.6 miles along Rowland Avenue
and turn left onto the paved road immediately adjacent to Sear's Landing, which is just before the Surf City
Swing Bridge. The subject property will be located along the left-hand side of Roland Avenue at house
number 708.
The subject property is developed (residential) with approximately 58 linear feet of shoreline bordering
Waters Bay. Elevations at the property range from 3' to 5' above the normal high water (NHW) line. The
size of the tract is approximately 6,969 sq. ft., or 0.16 acres. Lawn grasses and ornamental landscaping
make up the high ground vegetation and there are no wetlands on, or adjacent to the subject property. Just
waterward of the existing bulkhead, the applicant maintains a private docking facility which consist of a
fixed platform (5' x 24'), 6' x 20' floating dock (running parallel to the shoreline) and I P x 13' boatlift.
Currently, the normal high water line approximates the existing bulkhead.
The area surrounding the property is developed, both commercially and residential. Residential properties
border the site to the north and south, Water's Bay borders the site to the east and Highway 50 borders the
property to the west.
The Surf City Land Use Plan classifies the adjacent waters as Conservation. Water's Bay is classified SA
and SA-ORW (respectively) by the Division of Water Resources. The waters immediately adjacent to the
property ARE designated as a Primary Nursery Area (PNA) by the N.C. Division of Marine Fisheries and
they are CLOSED to the harvest of shellfish.
PROPOSED PROJECT:
The applicant proposes to install a boathouse over an existing boatlift. As designed, the proposed boathouse
would consist of a "Touchless" boat cover that would be affixed to the existing boatlift pilings.
According to information provided by the applicant, the retractable cover would extend beyond the footprint
of the existing lift on either end (north and south), but would not protrude beyond the outer edges of the
existing lift (east and west). Per the site drawing, the proposed boathouse would measure approximately
I x 20'.
10. ANTICIPATED IMPACTS:
The proposed boathouse would shade an additional 220 sq. ft. of shallow bottom habitat. At this time, it is
uncertain how far the sides of the proposed boathouse would extend, from the top of the structure to the
water.
Submitted by: Jason Dail Date:10/5/17 Office: Wil ' 'CEIVED
OCT 10 2017
DCM- MHD CITY

O
C7
CD
Ev
V
n
M
r= m
_moo
ZG
8m
00
Z
sGA P Mrrx Ua34
tWpi P AIOr
wi 11A W/ P Ml A NM nY CprAL' MK 6 On® rCIS
YC ffANIP, RPLLIOIIS LY rACPYr
m
m
n
m
m
v
�o1�Fi�fRRi:4a
�r.f'F_�sAR31Y•.�
�+,.�nasasr.�acsa
��amss�a
�S.EaaRss�ra
�+.�.sso>•rsri
.V1f�FF?�FF�:i
�R�Ss•?��r:
t'Si
.P.�isiPlZi
�L•��F�r
a
WS
.T. 1. P W m«I,
1 . rNWY P M p]FT I(Ip Si.R .�PCWn. QA,pI
iw • IWSSSnrK ur6 StPv[VP, nANWli
MV WO Y.KCIUIPLY M CACNOr
n mNlinll r.n Anm o. Lon
WrrVYLAM pCIPPMNATLI1 �9rOW� �VRVQ
[iApr. Atlr IC 16LR Y M 91aM5Wr s1m9FCiLLn R
yp pn. Ip IIN1 I NpOi /Lpl MC R/N P 91CtlMfpr Arx
®GA .LL fIIQRm LL,1 WIS LSWS WN O,W. 9,P M
xOYV IO..Rr3u YriW13[,R Srpnr .iR VMrcwrtn INS
A ACI pfi. �i ��/K.i.� w uAlLr o.(M✓�
3L1r ��
M1P,x CYRIM. TrP. WM,.
,K Sprz� CCRV61GlC P S[iT RCLRX, q,MR NXtt,
ri 6YSrG0 10 A mALCi. ,WS Y N� T4IP
P a L4nr.�(„gb�
Lmr rpiQF VCPAV M M 9JGVAN rpAA1LNSfQr
4p pT M Mtl {p,i ,_F x.K S[Cx q0-/PEp .rO M
munPGa roar SwPro m xro+ wxA na M,
xr ml PLIA'!D A M RILwC w9(CWr u9 M mM
pPl P M OT.
o.rz orw NWPrW
wA pR
C MNEL OF TOPSNL S N[7 /,
yraot nen uu
Cp LSPIw Qr nWL �SWOA P rrnrwrc ms w*
sP sG vor nLrA mrw. NAA. RlL uo ors a n. w ro ¢,wmr M ..:NA Ia.rP
m LLrsmrL me roI roIr r*rL . n P M anrN.o upq ,mar spLa
n Lvsmc vor rnL rPAs rP e . lML a n
poA1LrPPp
fLltf W'I LMPILif. K
ra Q 4,s
v aT, Aew
+�TT7��rinr�rlgiu�q��9rp�rpul�pppp�9ngg94qnrl�l� �I �In�plrl q�
�Mwb��nidw�odni�i nn4n�mini�nilninili �dnn6ni�nnLni�ixili.�milini�nidin7nxln9iniGminnliui�
aA a rai6P nN ti.ttmm�'a Lm�m a LLSa. cmrr m
❑ I ,w n., rs P . vxr mi oAArts . swNVPP
A a Ga vnxn ,r Am P . mai s AWurrni Mr
wS W PPrWIS iwI gpLSm IIIPLi P IWUi
❑ 4 irl M$ Nt SS P n DIMI nMl ri lS.•G p Spr
AffP P . mlllri P MSLL)rSM1 Ml n VrrC4N.T0
.V m W gMf1 MI IIW.m MCLSS P lWlr
❑ c NA oK P M a3pvL
}iWi MS N.S SS P W EffifIX4 Irf[C P WK45 P
lM0 Mp QS rP PGR I. NV SIQI p (NW2 M
LASRA SIQir
FMI M{ r3.Si O P W P6,Cy rJLL®A P 01rP
iMp3C. P w1WL fGTSL. Sr4 r3 . wlp{ygP
}MI 1NS rGI tt P . @SIY1 N.[l.
D.P 4r IiQPAW3P PP iGP33,Ix4 rAIAR�.
ORIYQ'P SYIISi P EfrP GC[I,Wr 10 M
LFLOYIOrP WIMVIi04
❑ L ,+wx.i r �xw,m ..:r�:iti3ew..ImNieKlmr in�
WE MNAACN VCA,
Y rL3i
HARBOR POINTS (REVISED)
TCVSNI ,O'IN91i. GENOEP CWN1Y. NC
LnPMFp m
4'rNN L PIERCE k AnLV7ATE° P.A.
Lp9 .SSMNSM JKXSMKl1E, xC ILSLO
niMe 4ro-J0Le-IE: JLNE FAr.. w iMYr
urE: r. m' F.a . rc
.pB 1 ME NAPE: NAABMKAIA
GRAPmc SCALE
r n-o n
A16-V-Q6 5 L 01

ROY COOPER
Gov nor
MICHAEL S. REGAN
Kc. Se"wan
BRAXTON DAVIS
Coastal Management 0ow„r
ENVIRONMENTAL QUALITY
October 5, 2017
Gary Ange
107 Candlewood Drive
Wallace, NC 28466
Dear Mr. Ange:
The Division of Coastal Management hereby acknowledges that on October 2, 2017, we received a
completed application for your client, Joe Wise, requesting State approval for the development of property
located at 708 Roland Ave., adjacent to Waters Bay, in Surf City, Pender County. The projected deadline
for making a decision on your permit application is December 16, 2017. An additional 75-day review
period is provided by law when such time is necessary to complete the review. If you have not been notified
of a final action by the initial deadline stated above, you should consider the review period extended. Under
those circumstances, this letter will serve as your notice of an extended review. However, an additional
letter will be provided on or about the 75th day.
If this agency does not render a permit decision within 70 days from October 2, 2017, you may
request a meeting with the Director of the Division of Coastal Management and permit staff to discuss the
status of your project. Such a meeting will be held within five working days from the receipt of your written
request and shall include the property owner, developer, and project designer/consultant.
NCGS 113A-119(b) requires that Notice of an application be posted at the location of the proposed
development. Enclosed you will find a "Notice of Permit Filing" postcard which must be posted at the
property of your proposed development. You should post this notice at a conspicuous point along your
property where it can be observed from a public road. Some examples would be: Nailing the notice card
to a telephone pole or tree along the road right-of-way fronting your property; or at a point along the road
right-of-way where a private road would lead one into your property. Failure to post this notice could result
in an incomplete application.
An onsite inspection will be made, and if additional information is required, you will be contacted
by the appropriate State or Federal agency. Please contact me if you have any questions and notify me in
writing if you wish to receive a copy of my field report and/or comments from reviewing agencies.
cerely,
on Da'
ield Representative
cc: MHC file
WiRO file RECEIVED
Robb Mairs, DWR
Liz Hair, USACE OCT 10 2017
Patti Arnold, Surf City Permitting
Joe Wise, 1320 Hodges Street, Raleigh, NC 27604 DCM_ MHD CITY
Stele of North Carolina I Environmental Quality I Coastal Management
127 Cardinal Drive Ext., Wilmington, NC 28405
919 796 7215
En

NOTI(01#147A
CAMA PERM
APPLIE
PROJECT''
bOdtfifta
W
FOR
COMMENTS ACCEPTED THROUGHOctober 29y2017
APPLICANT:
Joe Wise
1320 Hodges St.
�t
Raleigh, NC MDR -
Agent: Gary Ange [phone]
FOR MORE DETAILS CONTACT
THE LOCAL PERMIT OFFICER BELOW:
NC Div. of Coastal Management
127 Cardinal Dr. Extension
Wilmington, NC 28405
Jason Dail, Field Representative
910-796-7221

rr
■ Complete items 1, 2, and 3.
■ Print your name and address on the reverse
so that we can return the card to you.
■ Attach this card to the back of the mailpiece,
or on the front If space permits.
1. Article Addressed to:
J I lil A - Pt�- RCE
PC? CSC X 277 d LI
5V o-►- c t-r-1 NC :!-!� 44-�
IIIIIIIII IIII 1111111111111111111111111111111 III
9590 9402 1227 5246 3790 33
2. Article Number (transfer from service Iabe1)
7015 1520 0001 8712 4664
PS Form 3811 ,July 2015 PSN 7530-02-OW-9053
■ Complete items 1, 2, and 3.
■ Print your name and address on the reverse
so that we can return the card to you.
■ Attach this cad to the back of the mailplece,
or on the front'If space permits.
1. Article Addressed to:
hl0 f2t ockS S100
lb_v �Bl��p D
IIIIIIIII IIII IIIII A 111111 III illlll11111 II III
9590 9403 0374 5163 1719 00
❑ Agent
Of
D. Is delivery adoess different from Item 17l u Yes J
If YES, enter delivery address below: ❑ No
RECEN TON NC
pGM NII�MtNG
3. Service
❑ Prbrlty Mail ExPrm®
❑ Adul nature
❑ Registered Mai ITM
❑ Signature Restricted Delivery
❑ Registered Mail Restricted
gad Mall®
❑ certified Meil ResMcted Delivery
Delivery
❑
heoele ipt for
❑ collect on Delivery
❑ COUmt on Delivery Restricted Delivery
Metu
El Signature ConflrmatlonTM
^'-sured Mail
❑ signature Confirmation
suretl Mall Restricted Delivery
Restricted Delivery
A.
X
Domestic Return Receipt
❑ Agent
D. Is delivery address different from Item 17
If YES, enter delivery address b law No
N
R�GENoN N�
pCM NIt�Mt
2. Article Number (nwsfer from service 1001) I ❑ I;
7015 0640 0006 8006 7112
PS Form 3811, April 2015 PSN 7530-02-
,,Type
❑ Priority Mail Express®
nature
,,lure ResMcted Delivery
D Registered Mail^"
D Reeggistered Mail Restricted
Mail®
Mall Restricted Delivery
Deivery
❑ Return Receliat for
Msrchandise
n Delivery
Delivery Restricted Delivery
[3 Signature Con6rmationTM
n
❑ Signature Confirma tion
Ball
Ball Restricted Delivery
ResMctetl Delivery
Domestic Return Receipt
OCT 10 2017
DCM- MHD CITY
State of North Carolina I Environmental Quality I Coastal Management
127 Cardinal Drive Ext., Wilmington, NC 28405
910-796-7215

SAMPLE AGENT AUTHORIZATION FORM
PROPERTY LEGAL DESCRIPTION:
LOT NO. PLAN NO.
STREET ADDRESS: —74�)D7
Please print: .fDfie p��
Property Owner:
Property Owner: N ` \
PARCELID:
A Avt,
The undersigned, registered property owners of the above
noted property, do hereby authorize
�\ of LtoQ ,i I t�, t
(Contractor / A ent) (Name of consulting(firm)
to act on my behalf and take all actions necessary for the processing, issuance and acceptance of
this permit or certification and any and all standard and special conditions attached.
Property Owner's Address (if different than property above): ! ��
F37 Dges W C NC
Telephone: Al q 02-v1
We hereby certify the above information submitted in this application is true and accurate to the
best of our knowledge.
OCT 10 2017
DCM- MHD CITY
Authorized Signature
Date:
DCM WILM NIGTON, NC
OCT 02 2017

BK 4621 PG 1216 - 1228 (13) DOC# 20011144
This Document eRecorded: 06/02/2016 03:20:51 PM
Fee: $56.00 DocType: D/T Tax: $0.00
Pender County, North Carolina
Sharon Lear Willoughby, Register of Deeds
Above This Line For Ratording OeMI
DEED OF TRUST
When recorded, return to:
On Q Financial, Inc.
Attn: Final Document Department
4300 North Scottsdale Road #6600
Scottsdale, AZ 85251
This document was prepared by:
Tianna Ross
On Q Financial, Inc.
3016 Windward Plaza #450
Alpharetta, GA 30005
4044145.1033
LOAN #: 110116235748
MIN 1004185-0002026925-7
DEFINITIONS MERS PHONE #: [phone]
Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11,
13. 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section
16.
(A) "Security Instrument" means this document, which is dated June 2, 2016, together with
all Riders to this document.
(B) "Borrower" is JOSEPH JEFFERSON WISE, AN UNMARRIED MAN.
Borrower is the trustor under this Security Instrument.
(C) "Lender" is On Q Financial, Inc..
Lender is a Corporation,
Arizona.
#6500, Scottsdale, AZ 86251.
(D) "Trustee" is Investors TiOe Insurance Company.
DECEIVED
OCT 10 2017
DCM- MHD CITY
organized and existing under the laws of
Lender's address is 4800 North Scottsdale Road
(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as
a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary 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.
NORTH CAROUNA-Single Family-Fannle Mai Mac UNIFORM INSTRUMENT Form X341101
Ellie Mae, Inc. Page 1 of 9
Initials:
NCEDEED 0315
NCEDEED (CLS)
060=16 05:68 AM PST
RECEIVED
DCM WILMINGTON, NC
OCT 0 2 2017,

BK 4621 PG 1217 DOC# 20011144
LOAN #: 110116235748
(F) "Note" means the promissory note signed by Borrower and dated June 2, 2016. The Note
states that Borrower owes Lender THREE HUNDRED NINETY TWO THOUSAND AND NO/100* • ` •' ........
.................................................... Dollars (U.S. $392,000.00 )
plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later
than July 1, 2031.
(G) "Property" means the property that is described below under the heading "Transfer of Rights in the Property."
(H) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under
the Note, and all sums due under this Security Instrument, plus interest.
(1) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be
executed by Borrower [check box as applicable]:
El Adjustable Rate Rider L Condominium Rider 0 Second Home Rider
❑ Balloon Rider [, Planned Unit Development Rider ❑ Other(s) [specify]
L 1-4 Family Rider C Biweekly Payment Rider
❑ V.A. Rider
(J) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and
administrative rules and orders (that have the effect of law) as well as all applicable final, non -appealable judicial
opinions.
(K) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges
that are imposed on Borrower or the Property by a condominium association, homeowners association or similar
organization.
(L) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or
similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic
tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is
not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire
transfers, and automated clearinghouse transfers.
(M) "Escrow Items" means those items that are described in Section 3.
(N) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any
third party (other than insurance proceeds paid under the coverages described in Section 5) for: (I) damage to, or
destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) Conveyance in lieu
of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property.
(0) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan.
(P) "Periodic Payment" means the regularly scheduled amount due for (I) principal and interest under the Note, plus
(ii) any amounts under Section 3 of this Security Instrument.
(0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 at seq.) and its implementing
regulation, Regulation X (12 C.F.R. Part 1024), as they might be amended from time to time, or any additional or
successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA'
refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the
Loan does not qualify as a "federally related mortgage loan" under RESPA.
(R) "Successor in Interest of Borrower" means any party that has taken title to the Property, whether or not that party
has assumed Borrower's obligations under the Note and/or this Security Instrument.
TRANSFER OF RIGHTS IN THE PROPERTY
The beneficiary of this Security Instrument Is MERS (solely as nominee for Lender and Lender's successors and assigns)
and the successors and assigns of MERS. This Security Instrument secures to Lender: (i) the repayment of the Loan,
and all renewals, extensions and modifications of the Note; and (if) the performance of Borrower's covenants and
agreements under this Security Instrument and the Note. For this purpose, Borrower irrevocably grants and conveys
to Trustee and Trustee's successors and assigns, in trust, with power of sale, the following described property located
in the County [Type of Recording Jurisdiction) of Pander
[Name of Recording Junsdictioni
SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A".
APN #: SEE ATTACHED LEGAL DESCRIPTION
RECEIVED
OCT 10 2017
which currently has the address of 708 Roland Avenue, Surf City, DCM- M HD CITY
[Street)[City]
North Carolina 28446 ("Property Address"):
12ip Code)
TO HAVE AND TO HOLD this property unto Trustee and Trustee's successors and assigns, forever, together with
all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or
hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of
the foregoing is referred to in this Security Instrument as the "Property." Borrower understands and agrees that MERS
NORTH CAROLINA-Single Family -Fannie MaafFreddie Mac UNIFORM INSTRUMENT Form 30341/01 Initials: Vw
Ellie Mae, Inc Page 2 of 9 NCEDEED 0315
NCEDEED (CLS)
Iv4• yi•. D5/01/201605:58 AM PST
RECEIVED
DCM WILMINGTON; NC
OCT 02,2017

BK 4621 PG 1218 DOC# 20011144
LOAN M 110116236748
holds only legal title to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with
law or custom, MERS (as nominee for Lender and Lender's successors and assigns) has the night: to exercise any or
all of those interests, including, but not limited to, the right to foreclose and sell the 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 night to grant
and Convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants
and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record.
THIS SECURITY INSTRUMENT Combines uniform Covenants for national use and non -uniform covenants with
limited variations by jurisdiction to constitute a uniform security instrument covering real property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay
when due the principal of, and interest on, the debt evidenced by the Note and any prepayment charges and late charges
due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the
Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received
by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that
any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following
forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's
check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency,
instrumentality, or entity; or (d) Electronic Funds Transfer.
Payments are deemed received by Lender when received at the location designated in the Note or at such other
location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any
payment or partial payment if the payment or partial payments are insufficient to bring the Loan current. If Borrower has
breached any covenant or agreement in this Security Instrument and Lender has accelerated the obligations of Borrower
hereunder pursuant to Section 22 then Lender may accept any payment or partial payment insufficient to bring the Loan
current, without waiver of any rights hereunder or prejudice to its lights to refuse such payment or partial payments in
the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic
Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may
hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within
a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such
funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or
claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due
under the Note and this Security Instrument or performing the covenants and agreements secured by this Security
Instrument.
2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted
and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal
due underthe Note; (c) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the
order in which it became due. Any remaining amounts shall be applied firstto late charges, second to any other amounts
due under this Security Instrument, and then to reduce the principal balance of the Note.
If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount
to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than
one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the
Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after
the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late
charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note.
Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall
not extend or postpone the due date, or change the amount, of the Periodic Payments.
3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note,
until the Note is paid in full, a sum (the "Funds') to provide for payment of amounts due for: (a) taxes and assessments
and other items which Can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b)
leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender
under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of A I�� D
the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called (V'
'Escrow Items 'At origination or at any time during the term of the Loan, Lender may require that Community Association
Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an
Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower OC�
shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or
all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time.
Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where pays
the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requirrs Cm -
shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower s
obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and
agreement contained in this Security Instrument, as the phrase "Covenant and agreement' is used in Section 9. If
Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for
an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be
obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow
Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to
Lender all Funds, and in such amounts, that are then required under this Section 3.
Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at
the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under RESPA. Lender
shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future
Escrow Items or otherwise in accordance with Applicable Law. [1��,/.
NORTH CAROLINA-Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3034 1101 Initials: a"
Ellie Mae. Inc. Page 3 of 9 NCEDEED 0315
NCEDEED (CLS)
LU: µ•0.....' y r •. 061OD2016 05:58 AM PST
10 2017
MHD CITY
RECEIVED
DCM WILMINGTON, NC
OCT 0 2 20171

BK 4621 PG 1219 DOC# 20011144
LOAN #: 110116236748
The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entry
(including Lender, it Lender is an insttuton whose deposits are so insured) or in any Federal Home Loan Bank. Lender
shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge
Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items,
unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless
an agreement is made in writing orApplicable Law requires interest to be paid on the Funds. Lender shall not be required
to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest
shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required
by RESPA.
If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the
excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender
shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the
shortage in accordance with RESPA, but in no more than 12 monthly payments. If there Is a deficiency of Funds held
in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to
Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly
payments.
Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any
Funds held by Lender.
4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the
Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property,
if any, and Community Association Dues, Fees, and Assessments, I any. To the extent that these Items are Escrow Items,
Borrower shall pay them in the manner provided in Section 3.
Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a)
agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long
as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the
lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those
proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an
agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part
of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a
notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take
one or more of the actions set forth above in this Section 4.
Lender may require Borrower to pay a one-time charge for a real estate tax vedficaton and/or reporting service used
by Lender in connection with this Loan.
S. Property 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 any other hazards including,
but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in
the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to
the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall
be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised
unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-tme charge for flood
zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and
certification services and subsequent charges each time remappings or similar changes occur which reasonably might
affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by
the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting
from an objection by Borrower.
If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at
Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of
coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Sommer's equity in
the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser
coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained
might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender
under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall
bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from
Lender to Borrower requesting payment.
All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to
disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as
an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires,
Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any forth
of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall
include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee.
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. Unless Lender and Borrower otherwise agree in writing, any insuranE�EI"ED
proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair V
the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such rep r
and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity 17
to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection OCT 1 0 2� 1/
shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in 1
a series of progress payments as the work Is completed. Unless an agreement is made in writing or Applicable Law
requires interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or �_ A H D CITY
earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paif0lp 'Y1
of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not econom I
feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this
Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds shall
be applied in the order provided for in Section 2.
NORTH CAROUNA-Single Famly--Fannie MaalFreddia Mac UNIFORM INSTRUMENT Foen 30341/01 Initials: !Jf)
Ellie Mae, Inc Page 4 of 9 NCEDEED 0315
NCEDEED(CLS)
IFI
L ostIma1005:59AMPST
RECEIVED
DCM WILMINGTON, NC
OCT 022017

BK 4621 PG 1220 DOC# 20011144
LOAN #: 110116236748
If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related
matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to
settle a claim, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given.
In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender
(a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this
Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of unearned premiums
paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the
coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay
amounts unpaid under the Note or this Security Instrument, whether or not then due.
6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within
60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal
residence for at least one year after the dale of occupancy, unless Lender otherwise agrees in writing, which consent
shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control.
7. Preservation, Maintenance and Protection of the Property; Inspections. Borrower shall not destroy, damage or
impair the Property, allow the Property to deteriorate or commit waste on the Property. Whether or not Borrower is residing
in the Property, Borrower shall maintain the Property in order to prevent the Property from detedombng or decreasing in value
due to its condition. Unless it is determined pursuant to Section 5 that repair or restoration is not economically feasible,
Borrower shall promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or
condemnation proceeds are paid in connection with damage to, orthe taking of, the Property, Borrower shall be responsible
for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds
for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the
insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's
obligation for the completion of such repair or restoration.
Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause,
Lender may inspect the interior of the improvements on the Property. Lender shall give Borrower notice at the time of
or prior to such an interior inspection specifying such reasonable cause.
8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower
or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially
false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information)
in connection with the Loan. Material representations include, but are not limited to, representations concerning
Borrower's occupancy of the Property as Borrower's principal residence.
9. Protection of Lender's Interest In the Property and Rights Under this Security Instrument If (a) Borrower
fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that
might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a
proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority
over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender
may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under
this Security Instrument, Including protecting and/or assessing the value of the Property, and securing and/or repairing
the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority
over this Security Instrument; (b) appearing in court; and (c) paying reasonable attomeys' fees to protect its interest in
the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding,
Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or
board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous
conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not
have to do so and is not under any duty or obligation to do so. 8 is agreed that Lender incurs no liability for not taking
any or all actions authorized under this Section 9.
Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this
Security Instrument. These amounts shall bear interest at the Nate rate from the date of disbursement and shall be
payable, with such interest, upon notice from Lender to Borrower requesting payment.
If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. Borrower shall
not surrender the leasehold estate and interests herein conveyed or terminate or cancel the ground lease. Borrower shall
not, without the express written consent of Lender, alter or amend the ground lease. If Borrower acquires fee title to the
Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing.
10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall
pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance
coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance
and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance,
Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance
previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in
effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage
is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were
due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-
refundable loss reserve, if permitted under Applicable Law, in lieu of Mortgage Insurance. Such loss reserve shall be
non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay RECEIVED
Borrower any interest or earnings on such loss reserve, if permitted under Applicable Law. Lender can no longer require tr G
loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided
by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated 1 0
payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of OCT 10 201/7
making the Loan and Borrower was required to make separately designated payments toward the premiums for
Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, if perm
under Applicable Law, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage InsurM_ MH D CITY
ends in accordance with any written agreement between Borrower and Lender providing for such termination or until
termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the
rate provided in the Note.
NORTH CAROUNA _ i' � ®Mao UNIFORM INSTRUMENT Form J03{ 1/01 Initials:
Ellle Mae, Inc. I Page 5 of 9 NCEDEED 0315
NCEDEED (CLS)
0602201fi05:5aAMPST RECEIVED
! DCM WILMINGTON, NC
DCIVI- ii,1 L-o fit OCT 0 2 201Z

BK 4621 PG 1221 DOC# 20011144
LOAN #: 110116235748
Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if
Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance.
Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into
agreements with other parties that share or modify their risk, or reduce lasses. These agreements are on terms and
conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These
agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer
may have available (which may include funds obtained from Mortgage Insurance premiums).
As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity,
or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be
characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the
mortgage insurer's nsk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the
insurer's dsk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive
reinsurance." Further:
(a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage
Insurance, or any otherterrns of the Loan. Such agreements will not increase the amount Borrowerwlll owe for
mortgage Insurance, and they will not entitle Borrower to any refund.
(b) Any such agreements will not affect the rights Borrower has - if any - with respect to the Mortgage
Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to
receive certain disclosures, to request and obtain Cancellation of the Mortgage Insurance, to have the Mortgage
Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were
unearned at the time of such cancellation or termination.
11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and
shall be paid to Lender.
If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property,
if the restoration or repair Is economically feasible and Lender's security is not lessened. During such repair and
restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity
to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection
shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of
progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest
to be paid on such Miscellaneous Proceeds, Lender shall not be required to pay Borrower any interest or earnings on
such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or Lender's security would be
lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not
then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided
for in Section 2.
In the event of a total taking, destruction, or loss in value of the Property the Miscellaneous Proceeds shall be applied
to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower.
In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property
immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount of the sums
secured by this Security Instrument immediately before the partial taking, destruction, or loss in value, unless Borrower
and Lender otherwise agree In writing, the sums secured by this Security Instrument shall be reduced by the amount
of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums secured immediately
before the partial taking, destruction, or loss in value divided by (b) the fair market value of the Property immediately
before the partial taking, destruction, or loss in value. Any balance shall be paid to Borrower.
In the event of a partial taking, destruction, or loss in value of the Property in which the hair market value of the Property
immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured
immediately before the partial taking, destruction, or loss in value, unless Borrower and Lender otherwise agree in
writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not
the sums are then due.
If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the Opposing Party (as defined
in the next sentence) offers to make an award to settle a claim for damages, Borrower fails to respond to Lender within
30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either
to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due.
'Opposing Party' means the third party that owes Borrower Miscellaneous Proceeds or the party against whom
Borrower has a right of action in regard to Miscellaneous Proceeds.
Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment,
could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under
this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in
Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes
forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security
Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest
in the Property are hereby assigned and shall be paid to Lender.
All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order
provided for in Section 2.
12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment
modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or a
EC E I V E D
Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest f
Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to
refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by
1 O g017
OCT
reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by
1
I L t
Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third
persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver
of or preclude the exercise of any right or remedy.
M- M H D CITY
13. Joint and Several Liability; Cobigners; Successors and Assigns Bound. Borrower covenants and a ee
that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-signs this Security
NORTN CAROLINA-Single Famiii--Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Form MU 1/01 Initials: 1[J
Ellie Mae. Inc. Page 6 of 9 NCEDEED 0315
NCEDEED (CLS)
oem2reo+eos:seAMPST RECEIVED
DCM WILMINGTON, NC
OCT 0 2 2017

BK 4621 PG 1222 DOC# 20011144
LOAN #: 110116236748
Instrument but does not execute the Note (a 'co-signer): (a) is co-signing this Security Instrument only to mortgage,
grant and convey the co-signer's interest in the Property under the terms of this Security Instrument; (b) is not personally
obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can
agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or ,
the Note without the co-signer's consent.
Subject to the provisions of Section 18, any Successor in Interest of Borrowerwho assumes Borrower's obligations
under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits
under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this
Security Instrument unless Lender agrees to such release in writing. The Covenants and agreements of this Security
Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender.
14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for
the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited
to, attomeys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in
this Security Instrument to charge a specific fee to Borrower shall not be Construed as a prohibition on the charging of such
fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest
or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any
such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any
sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose
to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund
reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not
a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct
payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge.
15. Notices. At[ notices given by Borrower or Lender in Connection with this Security Instrument must be in writing.
Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when
mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any
one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice
address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender.
Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting
Borrower's change of address, then Borrower shall only report a change of address through that specified procedure.
There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender
shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has
designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be
deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument
is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under
this Security Instrument.
16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal
law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security
Instrument are subject to any requirements and limitations of Applicable Law, Applicable Law might explicitly or implicitly
allow the parties to agree by contract or it might be silent, but such silence shall not be Construed as a prohibition against
agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with
Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given
effect without the conflicting provision.
As used in this Security Instrument: (a) wards of the masculine gender shall mean and include corresponding neuter
words or words of the feminine gender, (b) words in the singular shall mean and include the plural and vice versa; and
(c) the word "may" gives sole discretion without any obligation to take any action.
17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument.
18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the
Property" means any legal or beneficial interest In the Property, including, but not limited to, those beneficial interests
transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which
is the transfer of title by Borrower at a future date to a purchaser.
If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural
person and a beneficial interest In Borrower is sold or transferred) without Lender's prior written consent, Lender may
require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be
exercised by Lender if such exercise is prohibited by Applicable Law.
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 given in accordance with Section 15 within which Borrower must pay
all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period,
Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower.
19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have
the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five d� E C IV I=D
before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other pe
as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing
this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants O C T 10 201 r7
or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to,
reasonable attomeys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting
Lender's Interest in the Property and rights under this Security Instrument; and (d) takes such action as Lend=M _ M H D CITY
reasonably require to assure that Lender's interest in the Property and rights under this Security Instrume
Borrower's obligation to pay the sums secured by this Security Instrument, shall Continue unchanged. Lender may
require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected
by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided
any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity;
or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations �se�cured
NORTH CAROLINA—Single Family —Fannie MaelFraddie Mae UNIFORM INSTRUMENT Form 30U 1101 Initials:
Ellie Mae, Inc. Page 7 of 9 NCEDEED 0315
NCEDEED (CLS)
0610M016051 AM PST RECEIVED
IF DCM WILMINGTON, NC
OCT 022017

BK 4621 PG 1223 DOC# 20011144
LOAN p: 110116236748
hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in
the case of acceleration under Section 18.
20. Sale of Note; Change of Loan Servicer, Notice of Grievance. The Note or a partial interest in the Note
(together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might
result in a change in the entity (known as the 'Loan Servicer) that collects Periodic Payments due under the Note and
this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security
Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of
the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state
the name and address of the new Loan Servicer, the address to which payments should be made and any other
information RESPA requires in conneciton with a notice of transfer of servicing. If the Note is sold and thereafter the Loan
is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower
will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note
purchaser unless otherwise provided by the Note purchaser.
Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant
or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges
that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such
Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section
15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take
corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that
time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity
to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section
18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20.
21. Hazardous Substances. As used in this Section 21: (a)'Hazardous Substances' are those substances defined
as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline,
kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials
containing asbestos or formaldehyde, and radioactive materials; (b) *Environmental Law' means federal laws and laws
of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c)
"Environmental Cleanup includes any response action, remedial action, or removal action, as defined in Environmental
Law; and (d) an 'Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an
Environmental Cleanup.
Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances,
or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else
to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental
Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that
adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, use, or storage
on the Property of small quantifies of Hazardous Substances that are generally recognized to be appropriate to normal
residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer
products).
Borrower shall promptly give Lender wntten notice of (a) any investigation, claim, demand, lawsuit or other action
by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or
Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited
to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition
caused by the presence, use or release of a Hazardous Substance which adversely affects the value of the Property.
If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or
other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all
necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender
for an Environmental Cleanup.
NON -UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's
breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18
unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to
cure the default; (c) a date, not less than 30 days from the date the notice Is given to Borrower, by which the default
must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result In
acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further
inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding
the non-existence of a default or any other defense of Borrower to acceleration and sale. If the default Is not cured
on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums
secured by this Security Instrument without further demand and may invoke the power of sale and any other
remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the
remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title
evidence.
If Lender invokes the power of sale, and if it is determined in a hearing held in accordance with Applicatp ��
Law that Trustee can proceed to sale, Trustee shall take such action regarding notice of Sale and shall give su1, , I
notices to Borrower and to other persons as Applicable Law may require. After the time required by Applicable
Law and after publication of the notice of sale, Trustee, without demand on Borrower, shall sell the Property at
public auction to the highest bidder at the time and place and under the terms designated in the notice of sale 0 C T 10 2017
in one or more parcels and in any order Trustee determines. Lender or its designee may purchase the Property
at any sale. ��/
Trustee shall deliver to the purchaser Trustee's deed conveying the Property without any cove'a I qL M'" MHD CI 1 I
warranty, expressed or Implied. The recitals In the Trustee's deed shall be prima facie evidence of the tr t �ttp
the statements made therein. Trustee shall apply the proceeds of the sale in the following order: (a) o a
expenses of the sale, including, but not limited to, Trustee's fees of 6.00 % of the gross sale price; (b)
to all sums secured by this Security Instrument; and (c) any excess to the person or persons legallyentitled to
NORTH CAROUNA-Single Family -Fannie MaWFretldle Mac UNIFORM INSTRUMENT Form 303t 1101 Initials: v %
Ellie Mae. Inc. Page 8 of 9 NOEDEED 0315
NCEDEED (CLS)
Wyf 06NY201605:5aAMPST RECEIVED
DCM 1MLMINGTON, Ni
tit. 1 0 2 20171

BK 4621 PG 1224 DOG# 20011144
LOAN #: 110116235748
It The Interest rate set forth In the Note shall apply whether before or after any judgment on the Indebtedness
evidenced by the Note.
23. Release. Upon payment of all sums secured by this Security Instrument, Lender or Trustee shall cancel this
Security Instrument. If Trustee is requested to release this Security Instrument, all notes evidencing debt secured by this
Security Instrument shall be surrendered to Trustee. Borrower shall pay any recordation costs. Lender may charge
Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third parry for services rendered and
the charging of the fee is permitted under Applicable Law.
24. Substitute Trustee. Lender may from time to time remove Trustee and appoint a successor trustee to any
Trustee appointed hereunder by an instrument recorded in the county in which this Security Instrument is recorded.
W thout conveyance of the Property, the successor trustee shall succeed to all the title, power and duties conferred upon
Trustee herein and by Applicable Law.
25. Attorneys' Fees. Attomeys' fees must be reasonable.
BY SIGNING UNDER SEAL BELOW, Borrower accepts and agrees to the terms and covenants contained in this
Security Instrument and in any Rider executed by Borrower and recorded with it.
State of I,,,�/��///,, County ss:
I, ky &l 3.6 %i) . a Notary Public of the County of�,
State of 1I1(( I do hereby certify that JOSEPH JEFFERSON WISE, personally appeared before me this
day and acknowledged the due execution of thg foregoing iI tm�menc —y��L
Witness my hand and official seal this -0j,_ day o 'CA i�
My commission expires: 9'3aoaU
Notary Public
Lender: On O Financial, Inc.
NMLS ID: 5645
Loan Originator: Lauren Boger
NMLS ID: 173846
B.
2pTA,p)-
'ouBoo
NORTH GAROUNA-Single Family -Fannie MaeJFraddle Mac UNIFORM INSTRUMENT Form 30341/01
Elie Mae. Inc. Page 9 of 9
RECEIVED
OCT 10 Z017
DCM- MHD CITY
Initials:
NCEDEED 0315
NCEDEED(CLS)
0eN22016 05:55 AM PST
RECEIVED
DCM WILMINGTON, NC
OCT 0 2 2011

BK4621 PIS1225 DOC#20011144
LOAN #: 110116235748
MIN: 10041850002026925.7
PLANNED UNIT DEVELOPMENT RIDER
THIS PLANNED UNIT DEVELOPMENT RIDER is made this end day of
June, 2016 and is incorporated into and shall be deemed to amend and
supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument'
of the same date, given by the undersigned (the "Borrower") to secure Borrower's Note
to On O Financial, Inc.
(the "Lender")
of the same date and covering the Property described in the Security Instrument and
located at: 708 Roland Avenue, Surf City, NC 28445.
The Property includes, but is not limited to, a parcel of land improved with a dwelling,
together with other such parcels and certain common areas and facilities, as described
in COVENANTS, CONDITIONS AND RESTRICTIONS
(the "Declaration").
The Property is a part of a planned unit development known as Surf City
(the"PU D j. The Property also includes Borrower's interest in the homeowners association
or equivalent entity owning or managing the common areas and facilities of the PUD
(the "Owners Association") and the uses, benefits and proceeds of Borrower's interest.
PUD COVENANTS. In addition to the covenants and agreements made in the
Security Instrument, Borrower and Lender further covenant and agree as follows:
A. PUD Obligations. Borrower shallperformall ofBorrower's obligations under the
PUD's Constituent Documents. The "Constituent Documents" are the (i) Declaration;
(ii) articles of incorporation, trust instrument or any equivalent document which creates
the Owners Association; and (iii) any by-laws or other rules or regulations of the Owners
Association. Borrower shall promptlyy, pay, when due, all dues and assessments
imposed pursuant to the ConstituentUocuments.
B. Property Insurance. So long as the Owners Association maintains, with a
generally accepted insurance carrier, a "master" or "blanket" policy insuring the Property
which is satisfactory to Lender and which provides insurance coverage in the amounts
(including deductible levels), for the periods, and against loss by fire, hazards included
within the term "extended coverage," and any other hazards, including,but not limited
to, earthquakes and Hoods, for which Lender requires insurance, then: (I) Lenderwaives
the provision in Section 3 for the Periodic Payment to Lender of the yearly premium
installments for property insurance on the Property; and (ii) Borrower's obligation under
Section 5 to maintain property insurance coverage on the Property is deemed satisfied
to the extent that the required coverage is provided by the Owners Association policy.
What Lender requires as a condition of this waiver can change during the term of the loan.
Borrower shall give Lender prompt notice of any lapse in required property
insurance coverage provided by the master or blanket policy.
In the event of a distribution of property insurance proceeds in lieu of restoration or
repair following a loss to the Property, or to common areas and facilities of the PUD, any
proceeds payable to Borrower are hereby assigned and shall be paid to Lender. Le� I��D
shall apply the proceeds to the sums secured by the Security Instrument, wheth
not then ue, with the excess, if any, paid to Borrower.
C. Public Liability Insurance. Borrower shall take such actions as may be
reasonable to ensure that the Owners Association maintains apublic liability insuranc®CT I O 2017
policy acceptable in form, amount, and extent of coverage to Lender.
Initials:
MULTISTATE PUD RIDER —single Famly—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 31501ro1 f'!1 y� A� M H D C'Ty
Elite Mae, Inc. Page 1 of 2 F31 7M�
F31SORW (CLS)
OX)0 01605:58AMPST
RECEIVED
DCM WILMINGTON, NO
OCT 02 2017

BK 4621 PG 1226 DOC# 20011144
LOAN #: 110116235748
D. Condemnation. The proceeds of any award or claim for damages, direct or
consequential, payable to Borrower in connection with any condemnation or other
taking of all or any part of the Property or the common areas and facilities of the PUD,
or for any conveyance in lieu of condemnation, are hereby assigned and shall be paid
to Lender. Such proceeds shall be applied by Lender to the sums secured by the
Security Ins VumEnt as provided in Section 11.
E. Lender's Prior Consent. Borrower shall not, except after notice to Lender and
with Lender's prior written consent, either partition or subdivide the Property or consent
to: (i) the abandonment or termination of the PUD, except for abandonment or termination
required by law in the case of substantial destruction by fire or other casualty or in the case
of a taking by condemnation or eminent domain; (i) any amendment to any provision of the
"Constituent Documents" if the provision is for the express benefit of Lender, Oil) termination
or (iv) any action which would have the effect of rendering the public liability insurance
coverage maintained by, the Owners Association unacceptable to Lender.
F. Remedies. If rrower does not pay PUD dues and assessments when due,
then Lender may pay them. Any amounts disbursed by Lender under this paragraph
F shall become additional debt of Borrower secured by the Security Instrument, less
Borrower and Lender agree to other terms of payment, these amounts shall bear
interest from the date of disbursement at the Note rate and shall be payable, with
interest, upon notice from Lender to Borrower requesting payment.
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants
contained in this PUD Rider.
Initials: Ire
MULTISTATE PUD RIDER --Single Family -Fannie Mae)Freddie Mac UNIFORM INSTRUMENT Fonn 31501A1
Ellie Mae, Inc. Page 2 of 2 F3150ROU 0115
F315GRLU(CLSI
06102=16 05:58 AM PST
RECEIVED
OCT 10 2017
DCM- MHD CITY
RECEIVED
DCM WILMINGTON, NG

BK 4621 PG 1227 DOC# 20011144
LOAN #: 110116236748
MIN: 1004185-0002026925.7
SECOND HOME RIDER
THIS SECOND HOME RIDER is made this end day of June, 2016 and
is incorporated into and shall be deemed to amend and supplement the Mortgage,
Deed of Trust, or Security Deed (the "Security Instrument") of the same date given byy
the undersigned (the "Borrower," whether there are one or more persons undersigned)
to secure Borrower's Note to On 0 Financial, Inc.
(the "Lender")
of the same date and covering the Property described in the Security Instrument (the
"Property"), which is located at: 708 Roland Avenue, surf city, NO 28445.
In addition to the covenants and agreements made in the Security Instrument,
Borrower and Lender further covenant and agree that Sections 6 and 8 of the Security
Instrument are deleted and are replaced by the following:
6. Occupancy. Borrower shall occupy, and shall only use, the Property as
Borrower's second home. Borrower shall keep the Property available for Borrower's
exclusive use and enjoyment at all times, and shall not subject the Property to any
timesharing or other shared ownershipp arrangement or to any rental pool or
agreement that requires Borrower either to rent the Property or give a management
firm or any other Qerson any control over the occupancy or use of the Property.
8. Borrowers Loan Application. Borrower shall be in default if, during the
Loan application process, Borrower or any persons or entities acting at the
direction of Borrower or with Borrower's knowledge or consent gave materially
false, misleading, or inaccurate information or statements to Lender (or failed to
provide Lender with material information) in connection with the Loan. Material
representations include, but are not limited to, representations concerning
Borrower's occupancy of the Property as Borrower's second home.
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants
contained in this Second Home Rider.
MULTISTATE SECOND HOME RIDER —Single Family —Fannie MaelFreddie Mac UNIFORM INSTRUMENT
Form 389D 1101 Initials:
Site Mae, Inc. F3890ROU 0307
F389ORLU(CLS)
(MAI 2018 05:58 AM PST
RECEIVED
OCT 10 2017
DCM- MHD CITY
l" RECEIVED
tr rz OCM WILMINGTON, NC
ul"T 022017

BK 4621 PG 1228 DOC# 20011144
ATTACHMENT
BEING all of Lot 4 as shown on a plat entitled "Recombination Plat, Showing Harbor Pointe (Revised)' dated June
14, 2000, prepared by John L. Pierce &Associates, PA and recorded in Map Book 33, Page 65, Slide 449, in the
office of the Register of Deeds of Pander County, North Carolina.
SUBJECT TO the Declaration of Covenants, Conditions and Restrictions recorded in Book 1575, Page 333, in the
office of the Register of Deed of Pander County, North Carolina.
16.4075
707 Roland Avenue, Surf City. NC 28445
OCT 10 2017
DCM- MHD CITY
RECEIVED
DCM MLMINGTON, NC
OCT 0 2 2017

0
ROY COOPER
Governor
MICHAEL S. REGAN
Secretary
Coastal Management
ENVIRONMENTAL QUALITY
October 5, 2017
[e-mail]
2 Pages
Star News
Legal Advertisement Section
Post Office Box 840
Wilmington, North Carolina 28402
Re: Major Public Notice for:
Joe Wise / Pender County
Town of Varnamtown / Brunswick County
Angie & Robin: Please publish the attached Notice in the Sunday, October 8, 2017 issue.
BRAXTON DAVIS
Director
The State Office of Budget & Management requires an original Affidavit of Publication prior to
payment for newspaper advertising.
Please send the original affidavit and invoice for payment to Shaun Simpson at the NC Division of
Coastal Management, 127 Cardinal Drive Extension, Wilmington, NC 28405, 910-796-7226. Paying by
credit card to the attention of Tanya Wright, (Ref acct # 796-7215).
Please email a copy of the credit card receipt to me.
Thank you for your assistance in this matter. If you should have any questions, please contact me at our
Wilmington office.
cc:
Sincerely,
Shaun K. Simpson
Permit Support & Customer Assistan
Heather Coats - WiRO
Doug Huggett - MHC Liz Hair / Tyler Crumbley - USACE REP E I V E D
Sarah Young- DCM
OCT 10 2017
State of North Carolina I Environmental Quality I Coastal Management D C M- I V Y H D CITY
127 Cardinal Drive Ext., Wilmington, NC 29405
910-796-7215

NOTICE OF FILING OF
APPLICATION FOR CAMA MAJOR
DEVELOPMENT PERMIT
The Department of Environmental Quality hereby gives public notice as required by
NCGS 113A-119(b) that the following applications were submitted for development permits in
Areas of Environmental Concern as designated under the CAMA: On October 2, 2017, Joe Wise
proposed to install a boathouse over an existing boatlift at 708 Roland Ave., adjacent to
Waters Bay, in Surf City, Pender County, and on October 3, 2017, the Town of Varnamtown
proposed to renovate an existing docking facility at the end of Fisherman Rd., adjacent to
Lockwood Folly River, in Varnamtown, Brunswick County. Copies of the applications can be
examined or copied at the offices of Jason Dail (ON Co.) or Sean Farrell (BR Co.), N.C. Dept.
of Environmental Quality, Division of Coastal Management, 127 Cardinal Drive Ext.,
Wilmington, NC 28405, (910-796-7215) during normal business hours.
Comments mailed to Braxton C. Davis, Director, Division of Coastal Management, 400
Commerce Avenue, Morehead City, NC 28557-3421, prior to October 29, 2017 will be
considered in making the permit decision. Later comments will be accepted and considered up
to the time of permit decision. Project modification may occur based on review and comment by
the public and state and federal agencies. Notice of the permit decision in these matters will be
provided upon written request.
RECEIVED
OCT 10 2017
DCM- MHD CITY
State of North Carolina I Environmental Quality I Coastal Management
127 Cardinal Drive Em., Wilmington, NC 28405
910-796-7215

NC Division of Coastal Management AEC: Stump Sound
Fee: $250 #�023 /
Major Permit Application Computer Sheet CDAITS ✓ MHC cc
Applicant: Joe Wise
AgenttContractor: GaryAnge ILI
Project Site County: Ponder
Staff: Jason Dail
District: Wilmington
Project Name: Wise Retractable Boat Slip Cover
Rover File: We
River Basin: Cape Fear
Initial date of application submittal: 10-2-17
Date application "received as complete" in the Field office:
Dredge & Fill
SITE DESCRIPT ON/PERMIT INFORMATION
IV
ORW: ❑Yes No PNA: es o
Photos Taken: Yes ❑ N991
Setback Required (riparian): []Yes No
Critical Habitat: ❑Yes ZNo ❑Not Sure
15 foot waiver obtained: ❑Yes No
Hazard tification Returned:
❑Yes NO
SAM ❑Yes o []Not Sure
Shell Bottom: []Yes o ❑ Not
Temporary Impacts: ❑Yes o
Sure
Sandbags: Yes No ❑ Not Sure
Did the land use classification come
Mitigatio�rV Required (optional):
from county LUP: ❑Yes ❑No
❑Yes JJNo
Moratorium Conditions:
Environmpptal Assessment Done:
Length of Shoreline:
❑Yes gk&o ❑NA
[]Yeslo ❑NA
FT.
Shellfish A tion:
Project Description: (code)
Developmeot Area: (code)
Open -or Close
f D
or
SECONDARY WATER CLASSIFICATION — OPTIONAL (choose MAX of 4)
❑ Future Water Supply (FWS)
0 Nutrient Sensitive Waters (NSW)
I ❑ Swamp Waters (SW)
High Quality Waters (HQW)
❑ Outstanding Resource Waters (ORW)
WETLANDSIMPACTED
❑ (404) Corp. of Engineers (Jurisdictional
❑ (LS) Sea lavender (Limonium sp.)
❑ (SS) Glasswort ( Salicomia sp.)
wetlands)
❑ (CJ) Saw grass (Cladium jamaicense)
❑ (SA) Salt marsh cordgrass (Spartina
El (SY) Salt reed grass (Spartina
altemiflora)
cynosuroides)
❑ (DS) Salt or spike grass (Disfichlis
❑ (SC) Bullrush or three square (Scirpus
❑ (TY) Cattail (Typha sp.)
spicata)
sp.)
(JR) Black needlerush (Juncus
❑ (SP) Salt/meadow grass (Spartina
roemerianus)
patens)
APPLICATION FEE
❑ No fee required - $0.00
❑ III(A) Private w/ D&F up to 1 acre; 3490
❑ III(D) Priv. public or comm w/ D&F to 1
can be applied - $250
acre; 3490 can't be applied - $400
❑ Minor Modification to a CAMA Major
❑ Major Modification to a CAMA Major
X IV Any development involving D&F of
permit - $100
permit - $250
more than 1 acre - $475
❑ Permit Transfer - $100
❑ III(B) Public or commercial w/ D&F to 1
❑ Express Permit - $2000
acre; 3490 can be applied - $400
❑ Major development extension request -
❑ II. Public or commercial/no dredge
$100
and/or fill - $400
V ED
I. Private no dredge and/or fill - $250
❑ III(C) Priv. public or comm w /D&F to 1
acre; 3490 can be applied; DCM needs
OCT 10 2017
DWQagreement -$400
DCM- MHD CITY

Joe Wyse
Date: 10-2-17
Describe below the ACTIVITIES that have been applied for. All values should match the dimension order, and units of
measurement found in your Activities code sheet.
TYPE
REPLACE
Activity Name
Number
Choose
Choose
Dimension 1
Dimension 2
Dimension 3
Dimension 4
One
One
S
New Work
Replace
'
n
L
Maint ElO
❑ N
New Work
Replace
Maint ❑
❑ Y ❑ N
New Work 0
Replace
Maint ❑
❑ Y ❑ N
New Work
Replace
Maint ❑
❑ Y ❑ N
New Work
Replace
Maint ❑
❑ Y ❑ N
New Work
Replace
Maint ❑
❑ Y ❑ N
New Work
Replace
Maint ❑
❑ Y ❑ N
New Work
Replace
Maint ❑
❑ Y ❑ N
Describe below the HABITAT disturbances for the application. All values should match the name, and units of measurement found
in your Habitat code sheet.
TOTAL Sq. Ft.
FINAL Sq. Ft.
TOTAL Feet
FINAL Feet
(Applied for.
(Anticipated final
(Applied for.
(Anticipated final
DISTURB TYPE
Disturbance total
disturbance.
Disturbance
disturbance.
Habitat Name
Choose One
includes any
Excludes any
total includes
Excludes any
anticipated
restoration
any anticipated
restoration and/or
restoration or
and/or temp
restoration or
temp impact
tempimpacts)
impact amount)
temp impacts)
amount
Dredge ❑ Fill ❑ Both ❑ Other
Dredge ❑ Fill ❑ Both ❑ Other ❑
Dredge ❑ Fill ❑ Both ❑ Other ❑
Dredge ❑ Fill ❑ Both ❑ Other ❑
Dredge ❑ Fill ❑ Both ❑ Other ❑
Dredge ❑ Fill ❑ Both ❑ Other ❑
Dredge ❑ Fill ❑ Both ❑ Other ❑
Q
Dredge ❑ Fill ❑ Both ❑ Other ❑
n
0
N
O
.r
r—
U
O
919-733-2293 :: 1-888-4RCOAST :: www.neconstalmanagement.net revised: 10/12/06
sJ

MAJOR PERMIT FEE SCHEDULE
Development Type
Fee
DCM %
14300160143510009316256253
DWR %
2430016024351000952341
I. Private, non-commercial development that
does not involve the filling or excavation
any wetlands or open water areas:
$250
100% $250
0% $0
II. Public or commercial development that
does not involve the filling or excavation of
any wetlands or open water areas:
$400
100% $400
0% $0
I11. For development that involves the filling
and/or excavation of up to 1 acre of wetlands
and/or open water areas, determine if A, B, C,
r D below applies:
III(A). Private, non-commercial development,
if General Water Quality Certification No. 4097
See attached can be applied:
$250
100% $250
0% $0
III(B). Public or commercial development, if
General Water Quality Certification No. 4097
See attached can be applied:
$400
100% $400
0% $0
III(C). If General Water Quality Certification
No. 4097 (see attached) could be applied, but
DCM staff determined that additional review and
written DWR concurrence is needed because of
concerns related to water uali or a uatic life:
$400
60% $240
40% $160
I II(D). If General Water Quality Certification
No. 4097 see attached cannot be applied:
$400
60% $240
40% $160
IV. Development that involves the filling and/or
excavation of more than one acre of wetlands
and/or open water areas:
$475
60% $285
40% $190
OCT 10 Z017
DCM- MHD CITY

r`]
Date
Date
Check From
Name of Permit
Vendor
Check
Check
Permit Number
NOTES
Received
Depos
(Name)
Holder
Number
amount
ited
10/2/2017
Gary Ange for
Joe J. Wise
Wells
5023
$250.00
major fee, 708
JD rct.
Joe J. Wise
Fargo
Rowland Avenue, SC
5055D
Bank
PnCo
W
,�
U
7
0
CI
W
3:
W
o
U