20191753 Ver 1_CAMA Application_20191219

DIVISION OF COASTAL MANAGEMENT
FIELD INVESTIGATION REPORT
1. APPLICANT'S NAME: Christopher Hasty
2. LOCATION OF PROJECT SITE: 114 Hoop Pole Creek Drive along Bogue Sound, in
Atlantic Beach, Carteret eounty.
Longitude: 34°42' 10 Latitude: 76°46' 16
3. INVESTIGATION TYPE: CAMA
4. INVESTIGATIVE PROCEDURE: Dates of Site Visit — 12/3/19
Was Applicant Present — No
Photos Taken — No
5. PROCESSING PROCEDURE: Application Received:
Officially Submitted: 8/20/19
Complete — 11 / 12/ 19
Office - MHC
6. SITE DESCRIPTION:
(A) Local Land Use Plan — Atlantic Beach- Certified7/24/2008
Land Classification from LUP — Single Family Residential/Conservation
(B) AEC(s) Involved: CW, EW, PTA
(C) Water Dependent: Yes
(D) Intended Use: Private
(E) Wastewater Treatment: Existing — Onsite Septic System
Planned - None
(F) Type of Structures: Existing — House, driveway, bulkhead, pier and platform,
two swing -style jet ski lifts, fence
Planned -pier extension, 1 platform, 2 new slips with
boatlifts along Bogue Sound.
(G) Estimated Annual Rate of Erosion: N/A
Source — N/A
7. HABITAT DESCRIPTION:
DREDGED FILLED OTHER
(A) Shallow Bottom (not over SAV)
N/A
N/A
2538 ft2 Inc.
2200 ft2 Shaded
(B) Shallow Bottom over SAV
N/A
N/A
1200 ft2 Inc.
1200 ft2 Shaded
(D) Total Area Disturbed 3,738 ft2
(E) Primary Nursery Area: No
(F) Water Classification: HQW/SA Open: Yes
8. Project Summary:
The proposed project is for the construction of a pier extension, platform and two slips
with boatlifts to the existing pier and platform within Bogue Sound.

Field Investigation Report
Christopher Hasty
114 Hoop Pole Creek Drive
Page 2 of 3
The Christopher Hasty project is located at 114 Hoop Pole Creek Drive in Atlantic Beach,
Carteret County. The site is found by following the Atlantic Beach causeway to the four
way stoplights. Turn right onto West Fort Macon Road and continue for approximately
2.24 miles (11849 feet). Turn right at the Dollar General and follow Lee Drive and turn
right onto Hoop Pole Creek Drive. Continue for approximately . 3 5 miles (1, 83 3' ). The
property will be immediately on the left.
The residential property is .42 acres (18,252 sf) in its entirety and an average of 4' above nhw.
Bogue Sound runs along the north side of the property. The upland vegetation mainly consists
of lawn grasses, shrubs, and a few cedar and oak trees. There is a 45' x 86' section of coastal
wetlands, which consists mostly of (Spartina alterniflora) along the 86' of shoreline on Bogue
Sound. The waters of Bogue Sound have approximately 2.5'to 3' lunar tidal amplitude.
The Division of Water Resources classifies this area as HQW/SA Waters. This area of Bogue
Sound is not designated as a Primary Nursery Area and is open to the taking of shellfish. The
Atlantic Beach Land Use Plan classifies this area as Single Family Residential with
Conservation within the AECs. According to Google Earth spacial data, the channel edge is
located approximately 10' to 20' waterward (north) of the most northern proposed platform
and the most northern proposed slips (1 &2). Water depths within the slip areas are -
5.5'nlw/mlw to -5.85' nlw/mlw. The bottom substrate is sand and no SAV were observed
within the proposed slip areas and platform area. The extent of the SAV is approximately 340'
from NHW and 300' from the edge of marsh. Water depths over the SAV are .5' nlw to 2.75'
nlw depending on location. Bogue Sound is approximately 1.5 miles wide at this location.
10) Proposed Development:
The applicant is proposing a pier extension, platform and two slips with boatlifts at the
existing one slip pier and platform. The existing pier and platform currently have 2 swing -
style jet ski lifts, however one is stored over the existing platform and one is stored over
the existing pier access. The one stored over the pier access would be considered an
existing slip. The existing pier and platform extend a maximum of 150' from NHW and
100' from the edge of marsh. There are SAV within the proposed pier extension area
however no SAV was observed within the proposed slip areas. Water depths over the SAV
area range from.5 nlw to 2.75' nlw. The water depths within the proposed slip areas are -
5.75'nlw to 5.85' nlw.
The applicant is proposing to add a 6' x 500' pier extension at the most northern portion of
the existing t-head platform. A 6' x 200' section of the pier addition would extend over
SAV habitat with the final 6' x 300' section over shallow bottom habitat. It would then
connect with a 20' x 20 platform. They are also proposing two new slips (# 1 and # 2) along
the east and west side of the proposed platform. Both slips would contain 13' x 13'
boatlifts. The most landward section of the proposed platforms and boatlifts are
approximately 290' waterward of the edge of SAV habitat. The final length of the

Field Investigation Report
Cristopher Hasty
114 Hoop Pole Creek Drive Drive
Page 3 of 3
extension, platform and boatlifts would extend a maximum of 672' from NHW and 630'
of the channel edge 10' to 20' depending on location and a minimum of 19' from the
western riparian corridor and 19.5' from the eastern riparian corridor. Riparian corridors
were determined by existing pier alignment, channel location and channel alignment.
There would be a total of three slips (one existing jet ski lift and two new slips). The jet ski
lift stored over platform is not considered a slip. The boat size would be limited to a
maximum of 23' and of open runabout design. The water depths within the slip areas are -
5.75' nlw to 5.85' nlw/mlw depending on location, with connecting water depths of -6.25'
plus nlw/mlw. The water depths beyond 400' fall an additional 2.0' from 400' to 600'.
11. Anticipated Impacts:
The proposed pier and platform additions as well as boatlifts would shade 2200 ft2 and
incorporate 2538 ft2 of shallow bottom habitat. A portion of the pier extension would also
shade and incorporate 1200 ft2 of SAV habitat. The development would increase the
number of slips from none to two. The increase in suspended sediment and turbidity levels
from the piling placement would be temporary, occur while the piling placement is taking
place and should be minimal given the bottom composition. The proposed docking facility
should not be a hindrance to navigation due to the fact all portions would be located
landward 10' to 20" from the historic channel edge. The propose docking facility would
also meet the minimum 15' setback from the riparian access lines and not exceed a
maximum distance of 630' waterward of the edge of marsh or 672' from NHW and not
extend beyond existing pier head length to the west. No SAV where observed within the
proposed platform and slip areas.
Name: Heather M. Styron Date: 12/17/19 Office: Morehead City

Major Permit Fee Sched
UI
Project Name: County:
Check No & Amount:
Development Type
Fee
DCM %
DWQ %
(14300160143510009316256253)
(2430016024351000952341)
I. Private, non-commercial development
that does not involve the filling or
$250
o
100 /o ($250)
0
0 /o ($0)
excavation of any wetlands or
open water areas:
11. Public or commercial development that
does not involve the filling or excavation
$400
100% ($400)
0% ($0)
of any wetlands or open water areas:
III. 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, or D below applies:
III(A). Private, non-commercial
development, if General Water Quality
$250
100% ($250)
0% ($0)
Certification No. 4175 can be applied:
III(B). Public or commercial development,
if General Water Quality Certification
$400
100% ($400)
0% ($0)
No. 4175 can be applied:
III(C). If General Water Quality
Certification No. 4175 could be applied,
but DCM staff determined that additional
$400
60% ($240)
40% ($160)
review and written DWQ concurrence is
needed because of concerns related to
water quality or aquatic life:
111(D). If General Water Quality
$400
60% ($240)
40% ($160)
Certification No. 4175 cannot be applied:
IV. Development that involves the filling
and/or excavation of more than one acre
$475
60% ($285)
40% ($190)
of wetlands and/or open water areas:

Project Narrative for Christopher Hasty Dock Extension Project
To Whom it may concern,
Our project is located at 114 Hoop Pole Creek Drive in Atlantic Beach, NC. We are
proposing lengthen the dock a total of 520' seaward of the end of the existing dock. The
proposed dock will be 6' wide with a 205x20' platform at the end. We are also proposing (2)
boat lifts (1) on each side of the platform. The purpose of our project is to achieve more water
depth at low tide for recreational boating purposes. Thank you for your time and consideration
on this proposal.
Thank you,
Alan Bailey RECEIVED
AUG 2 0 2019
DCM-MHD CITY

ON MP-1
APPLICATION for
Major Development Permit
(last revised a<,
-- - North Carolina DrvrslON-oFCOPSTAL-Mu+neEMENT
1. Primary Applicant/ Landowner Information
Business Name
Project Name (if applicable)
Applicant 1: First Name
MI
Last Name
Applicant 2: First Name
MI
Last Name
If additional applicants, please attach an additional page(s) with names listed.
Mailing Address
PO Box
City
State
ZIP
Country
Phone No.
FAX No.
Street Address (if different from above)
City
State
ZIP
Email
2. Agent/Contractor Information
Business Name
Agent/ Contractor 1: First Name
MI '
Last Name
Agentl Contractor 2: First Name
MI
Last Name
Mailing Address
PO Box
City
State
ZIP
Phone No. 1
Phone No. 2
�7
-Z51 `%
- ���'� ext.
- - ext.
FAX No.
Contractor #
Street Address (if different from above)
City
State
ZIP
Email
<Form continues on back> ADD CIM-NOG
610Z 9 I AON
(13n13038

{
Form DCM MP-1 (Page 2 of►)
APPLICATION for
Major Development Permit
3. Project'` Location
County (can be multiple)
Street Address
State Rd. #
IN
Subdivision Name
City
State
Zip
Phone No.
Lot No.(s) (if many, attach additional page with list)
a. In which NC river basin is the project located?
b. Name of body of water nearest to proposed project
��►i�,t Lnt�
c. Is the water body identified in (b) above, natural or manmade?
d. Name the closest major water body to the proposed project site.
Natural []Manmade ❑UnknownC�(>C`
�i���,/V 0
e. Is proposed work within city limits or planning jurisdiction?
f. If applicable, list the planning jurisdiction or city limit the proposed
Yes ❑No
work falls within.
4. Site Description
a. Total length of shoreline on the tract (ft.)
b. Size of entire tract (sq.ft.)
(,
41. L i
c. Size of individual.Iot(s)
d. Approximate elevation of tract above NHW (normal high wafer) or
NWL (normal water.level)
NWL
(If many lot sizes, please attach_ additional page with. a list)
❑NHW o
e. Vegetation on tract
f. Man-made features and uses now on tract
1pe, T1c:E-�
t
g. Identify and. describe the existing land uses adjacent to the proposed project site.
h. How does local government zone the tract?
L Is the proposed project consistent with the applicable zoning?
Attach zoning compliance certificate, if applicable)
Yes []No ❑ NA
j. Is the proposed activity part of an urban waterfront redevelopment proposal? ❑Yes No
k. Has a professional archaeological assessment been done for the tract? If yes, attach a copy. ❑YesoA
If yes, by whom?
I. Is the proposed project located in a National Registered Historic District or does it involve a ❑Yes A
National Register listed or eligible property?
AID GHN-V40(i
<Form continues on next page>
610Z 9 1 AON
®3A13038

Form DCM MP-1 (Page 3 of 4)
APPLICATION for
Major Development Permit
M. (i) Are there wetlands on the site? Xyes ❑No
(ii) Are there coastal wetlands on the site? '"jYes ❑No
(iii) If yes to either (1) or (ii) above, has a delineation been conducted? ❑Yes No
(Attach documentation, if available)
n. Describe existing wastewater treatment facilities.
o. Describe existing drinking water supply source.
p. Describe existing storm water management or treatment systems.
5. Activities and Impacts
a. Will the project be for commercial, public, or private use?
[]Commercial ❑Public/Government
Private/Community
b. Give a brief description of purpose, use, and daily operations of the project when complete.
d ri Siw..;✓ �
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.
d. List all development activities you propose.
e. Are the proposed activities maintenance of an existing project, new work, or both?
f. What is the approximate total disturbed land area resultin from the proposed project?
Sq.Ft or []Acres
ZOO
g. Will the proposed project encroach on any public easement,. public accessway 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.
A/X
i. Will. wastewater or stormwater be discharged into a wetland?
[]Yes []No NA
If yes, will this discharged water be of the same salinity as the receiving water?
❑Yes []No A
j. Is there any mitigation proposed?
❑Yes 00a,NA
If yes, attach a mitigation proposal.
<Form continues on back>

.F.crim DCM MP-1 (Page 4 of 4)
APPLICATION for
Major Development Permit
6. 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) — (f) are always applicable to any major development application. Please consult the application
instruction booklet on how to properly 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 and plats by certified mail. Such landowners must be advised that they have 30 days in
which to submit comments on the proposed project to the Division of Coastal Management.
Name �C (U&7u L;; fZ i°6 ! '°.� �^c�-N t.�2 fi ?E'�✓� Phone No.
Address 501' NVP50 0 SiLyr-
?� t�Qi�n 2 N � r' �Gi.4 ��k ��f� Phone No.
Name 14i,'� �0 ` rf<iW , 4E9. fi ,,�
Address fZ1z 13C¢/wbiU -'AU✓6 -17.4tewelJ
Name Phone No.
Address
'g. A list of previous state or federal permits issued for work on the project tract. Include permit numbers, permittee, and issuing dates.
h. Signed consultant or agent authorization form, if 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.
1. Certification and Permission to Enter on Land
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.
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 application is truthful to the best of my knowledge.
Date Print Name Aig 1%% 406 t!i
Signature
Please indicate application attachments pertaining to your proposed project.
❑DCM MP-2 Excavation and Fill Information ❑DCM MP-5 Bridges and Culverts
\❑1DCM MP-3 Upland Development
jDCM MP-4 Structures Information
RECEIVED
NOV 12 2019

Form DCM MP-4
STRUCTURES
(Construction_within-Public—T-rust-Ar-eas)- - ---
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.
a. (i) Is the docking facility/marina:
❑Commercial ❑Public/Government')�Private/Community
c. (i) Dock(s) and/or pier(s)
(ii) Number
(iii) Length
15ek, '
(iv) Width
K `
(v) Floating '
❑Yes XNo
e. (i) Are Platforms included?]Yes ❑No
If yes:
(ii) Number
(iii) Length'
(iv) Width L
(v) Floating ❑Yes XNo
Note: Roofed areas are calculated from dripline dimensions.
g. (i) Number of slips proposed
L
(ii) Number of slips existing
�i
i. Check the proposed type of siting:
❑ Land cut and access channel
❑Open water; dredging for basin and/or channel
Open water; no dredging required
❑Other; please describe:
k• Typical boat length.
m. (i) Will the facility have tie pilings?
❑Yes ` 0
(ii) If yes number of tie pilings?
b. (i) Will the facility be open to the general public?
❑Yes�0No
d. (i) Are Finger Piers included? ❑Yes No
If yes:
(ii) Number
(iii) Length
(iv) Width
(v) Floating ❑Yes ❑No
f. (i) Are Boatlifts included?-' Byes ❑No
If yes:
(ii) Number
(iii) Length / r
(iv) Width
h. Check all the types of services to be provided.
❑ Full service, including travel lift and/or rail, repair or
maintenance service
❑ Dockage, fuel, and marine supplies Dockage ("wet slips") only, number of slips: Z
❑ Dry storage; number of boats:
❑ Boat ramp(s); number of boat ramps:
❑ Other, please describe:
j. Describe the typical boats to be served (e.g., open runabout,
charter boats, sail
sail boats, mixed types).
I. (i) Will the facillit be open to the general public?
❑Yes rlo
RECEIVED
NOV 12 2019
252-808-2808 :: 1-8188-4RCOAST :: www.nccoastaimanagement.netE)CIAN61 FA
revise ! 6

Form DCM MP-4 (Stm-Ztures, Rage 2 of 4)
2. DOCKING FACILITY/MARINA OPERATIONS XThis. 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:`t
b. Describe treatment type and disposal location for all sanitary wastewater.
!`-I Ir
c. Describe the disposal of solid waste, fish offal and trash.
r./ 0
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.
!v /4
f. Describe the special design, if applicable, for containing industrial type pollutants, such as paint, sandblasting waste and petroleum products.
//4% -
g. Where will residue from vessel maintenance be disposed of?
h. 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.
A/ 151
j. What will be the marina policy on overnight and live -aboard dockage?
k. Describe design measures that promote boat basin flushing?
/k-� //
I. If this project is an expansion of an existing marina, what types of services are currently provided? RECEIVED
NOV 12 2019
DCM-MHa CITY
252-808-2808 :: 1-888-4RCOAST :: www.nccoastaimanagement.net revised-. 12/27/06

Form DCM - (SfrLictures, Page 3 of )
m. Is the m rina/docking facility proposed within a primaryor secondary nursery area?
❑Yes No
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
(SIB), or other wetlands (WL)? If any boxes are checked, provide the number of square feet affected.
.CW --EgSAV Q_ ❑SB
� WL ❑None
p. Is the proposed marina/docking facility located within or within close proximity to any shellfish leases? ❑Yes 0
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 ❑Public/Government ❑Private/Community
(ii) Number
(iii) Length
(iv) Width
Note: Roofed areas are calculated from dripline dimensions.
a• (i) Number
(ii) Length
(iii) Width
c. Distance to be placed beyond shoreline d. Description of buoy (color, inscription, size, anchor, etc.)
Note: This should be measured from marsh edge, if present.
e. Arc of the swing
RECEIVE[
NOV 12 2019
252-808-2808 ;; 1-888-4I11COAST n vvvavw.. ccoastalmanageme t.net revised: 12/27/06

Fore DCM MiP- ( is ctures, Page 4 of 4)
7. GENERAL -
a. Proximity of structure(s) to adjacent riparian property lines b. Proximity of structure(s) to adjacent docking facilities.
`'
o'V / OJU tf� / / / /J of- (.� /2� Oi J5 % *�1� Z�; t i�5 %
Note: For buoy or mooring piling, use arc of swing including length
of vessel.
c. Width of water body
79oo reldT
e. (i) Will navigational aids be required as a result of the project?
❑Yes 6
o ❑NA
(ii) If yes, 2plain what type and how they will be implemented.
d. Water depth at waterward end of structure at NLW or NWL
f" hJ /,
k
8. GTHER = t�,not amlicab
These le
a. Give complete description:
RECEIVED
NOV 12 2019
®CM-MHD CITY
252-808-2808 ;a 9�888-41RCOAST -- www.nccoastaimanagement.net revised: 12/27106

NORTH CAROLINA
Environmental Quality
December 19, 2019
MEMORANDUM:
FROM: Gregg Bodnar, Assistant Major Permits Coordinator
NCDEQ - Division of Coastal Management
400 Commerce Ave., Morehead City, NC 28557
Fax: [phone] (Courier 04-16-33)
gregq.bodnar(a_ncdenr.qov
SUBJECT: CAMA Major Permit Application Review
Applicant: Christopher Hasty
Project Location: 114 Hoop Pole Creek Dr, Carteret County
Proposed Project: Pier extension, platform, and two slips with boatlifts.
ROY COOPER
Governor
MICHAEL S. REGAN
Secretary
BRAXTON DAVIS
Director, Division at Coastal
Management
Please indicate below your agency's position or viewpoint on the proposed project and
return this form to Gregg Bodnar at the address above by December 16, 2020. If you have any
questions regarding the proposed project, contact Heather Styron [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.
PRINT NAM
AGENCY
SIGNATURE
DATE
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.
State of North Carolina I Environmental Quality I Coastal Management
400 Commerce Ave. Morehead City, NC 28557 [phone]

RE 110391
WARRANTY DEED
FOR RECKaren 6 ISTRAT10N REGISTER OF
as ('nuntys ttlC
May 23, 2019 03:28:1'1 PN
INN DEED 3 P
FEE $26 00
NC REVENUE STANP: $2.650.
FILE # 1638394
REP,ARED BY: BESWICK, GOINES, WICKIZER & MEEKS, PLLC, 911 ARENDELL STREET, MOREHEAD CITY,
C 2T7
RETURN TO: BESWICK, GOINES, WICKIZER & MEEKS PLLC, 911 ARENDELL STREET, MOREHEAD CITY, NC
28557,
STATE OF NORTH CAROLINA
COUNTY OF CARTERET Excise Tax: $',tvSb.0C-'
Parcel # 636516947026000
THIS WARRANTY DEED made and entered into this 2Q day of May 2019, by and between:
Hoophole Creek Properties Limited Partnership
2808 Royster Street
Raleigh, NC 27608 RECEIVED
(GRANTOR)
AUG 2 0 2019
and
DCM-MHD CITY
Frances Wilfong Hasty and husband, Christopher Clay Hasty
(GsRANTEE)
jThe designation GRANTOR and GRANTEE as used herein shall include said parties, their
heirs, successors and assigns and shall include singular, plural, masculine, feminine or neuter as
required by context.
WITNESSETH:
That the GRANTOR, for a valuable consideration paid by the GRANTEE, the receipt of
which i� hereby acknowledged, has and by these presents does grant, bargain, sell and convey unto
the GRANTEE in fee simple, all that certain lot, tract or parcel of land situated in CARTERET
COUNTY, North Carolina and more particularly described as follows:
�3�

Beswick, Goines, Wickizer & Meeks, PLLC
GEORGE W. BESWICK(1941-2014)
M. DDUGLAS GOINES
' Certified Mediator
May 24, 2019
Christopher and Frances Hasty
506 6esapeake Place
Greenille NC 27858-0678
Re: It 4 Hoop Pole Creek Drive Atlantic Beach NC
JULIE G. WICKIZER
ERIN BRADLEY MEEKS
Mr. and Ms. Hasty:
I
Enclosed please find THE ORIGINAL RECORDED WARRANTY DEED for your
records. Should you have any questions or concerns, please do not hesitate too"Ovauffice.
Sincerely yours, AUG 2 0 2519
BESVYICK, GOINES, WICKIZER, & MEEKS, PLLC pCM-
MHp CITY
3t4-
Holly1T. Carpenter
IGW/hc
Enclosure

Above This Lfne For Recording
DEED OF TRUST
When recorded, return to:
First -Citizens Bank &Trust Company
Attn: Final Document Department
RO. Box 11757
Columbia, SC 29211
This document was prepared by:
Stacey Rath
First -Citizens Bank &Trust Company
1314 Park Street
Columbia, SC 29201
800433.6898
LOAN M 40074631
MIN 1001134-1100002277-3
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 May 23, 2019, f,%&Qr%jVEC
all Riders to this document.
(B) ^Borrower" Is CHRISTOPHER CLAY HASTY,AND FRANCES WILFONG HASTY, HUSBAND AND WIFE.
AUG 2 0 2019
Borrower is the truster under this Security Instrument.
(C) "Lender" Is First -Citizens Bank &Trust Company.
j Lender Is a Corporation,
South Carolina.
29211.
(D) "Trustee" Is Nauss, Incorporated.
DCM-MHA CITY
organized and existing under the laws of
Lender's address Is P.O. Box 11757, Columbia, SC
(E) "MERS" Is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as
a nominee for Lenderand Lender's successors and asslgns. 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, let. (888) 679-MERS.
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(F) "Note" means the promissory note signed by Borrower and dated May 23, 2019. The Note
states that Borrower owes Lender NINE HUNDRED FORTYTHREE THOUSAND EIGHT HUNDRED EIGHTY TWO
AND Dollars(U.S. $943,082.00 )
plus Interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later
than June 1, 2049.
(G) -Property" means the property that Is described below under the heading "Transfer of Rights In the Property"
(M "Loan" means the debt evidenced by the Note, plus Interest, any prepayment charges and late charges due under
(I) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders ere to be
executed by Borrower (check box as applicable):
❑x Adjustable Rate Rider ❑ Condominium Rider ❑x Second Home Rider
❑ Balloon Rider ❑ Planned Unit Development Rider ❑ Other(s) [specify]
❑ 1.4 Family Rider ❑ Biweekly Payment Rider
❑ VA. 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, polnt-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: (1) damage to, or
destruction of, the Property; (II) condemnation or other taking of all or any part of the Properly; (111) 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 Reel 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 parry 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 beneficlary of this Security instruments MERS (solely as nominee for Lenderand Lender's successors and assigns)
and the successors and assigns of MERS. This Security Instrument secures to Lender: (1) the repayment of theLoan—
andall renewals, extensions and modi0cations of the Note; and (11) the performance of Borrows ®'a?�(d�`r{, ED
agreements under this Security Instrument and the Note. For this purpose, Borrower Irrevocably gr conveys
to Trustee and Trustee's successors and assigns, in trust, with power of sale, the following described property located
In the County [Typeef RecWdh9Judsdlcdoo]of Carteret
[Name or Recording Jurisdiction]: [1 O 7L0l(3
APN#: 6365.16.94.7026000 AUG D
which currently has the address of 114 Hoop Pole Creek Drive, Atlantic Beach,
North Carolina 28512 ("Property Address"):
pp Coda]
DCM-MHD CITY
Istreetl [City]
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
i
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holds only legal title to the Interests granted by Borrower In this Security Instrument, but, If necessary to comply with
law or custom, MERE (as nominee for Lender and Lender's successors and assigns) has the right: 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 right to grant
and convey the Property and that the Property Is unencumbered, except for encumbrances of record. Borrower warren
.... fend-gensra..ythat6a o e rope againsta amsan emends,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 foiknaing
forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashler'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 It the payment or partial payments are Insufficient to bring the Loan current. N Borrower has
breached anycovenant 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 rights 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 unapplled funds. Lender may
hold such unappiled funds until Borrower makes payment to bring the Loan current. if Borrower does not do so within
a reasonable pedod 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 Nate 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 under the 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 first to 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
Pedodlo Payments If, and to the extent that, each payment can be paid In full. To the extent that any excess exists after
1 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 Ilen 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
the payment of Mortgage Insurance premiums In accordance with the provisions of Section 10. These Items are called
"Escrow Items." Alorigination oral any time during the term of the Loan, Lender may require that CommunhyAssoGation
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
shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or
j 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 payable,
j the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires,
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 falls 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 revocafion, 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 asilmates of expenditures of future
iEscrow Items or otherwise In accordance with Applicable Law.
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The Funds shall be held In an Institution whose deposits are Insured by a federal agency, instrumentality, or entity
(Including Lender, if Lender Is an Institution 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 to writing or Applicable 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
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 42 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 CommunityAssoclatlon Dues, Fees, and Assessments, if 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 verification and/or reporting service used
by Lender In connection with this Loan.
5. 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 Lenders right to disapprove Borrower's choice, which light shall not be exercised
unreasonably. Lender may require Borrower to pay, In connection with this Loan, either. (a) a one-time charge for good
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 falls to maintain any of the coverages described above, Lender may obtain Insurance coverage, at
Lender's opflon 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, Borrower'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 form
of Insurance Coverage, not otherwise required by Lender, for damage to, or destruction of, the Properly, 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 Insurance
proceeds, whether or not the underlying Insurance was required by Lender, 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 Insurance 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 disburse proceeds for the repairs and restoration In a single payment 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 Insurance proceeds, Lender shall not be required to pay Borrower any Interest or
earnings on such proceeds. Fees for public adjusters, or other third parties, retained by Borrower shall not be paid out
of the insurance proceeds and shall be the sole obligation of Borrower. If the restoration or repair Is not economically
feasible or Lender's security would be lessened, the Insurance proceeds shall be applied to the sums seared 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.
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It Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related
matters. If Borrower does not respond within a0 days to a notice from Lender that the insurance carder 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 It 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
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 date of occupancy, unless Lender otherwise agrees In writing, which consent
shall not be unreasonably withheld, or unless extenuating clrcumstances 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 commlt waste on the Property. Whether or not Borrower Is residing
In the Property, Borrower shall maintain the Properly In order to prevent the Property from deteriorating or decreasing In value
due to its calditlon. 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, or the taking of, the Property, Borrowershall 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 an the Property. Lender shah give Borrower notice at the time of
or prior to such an Interior inspection specifying such reasonable cause.
6. Borrower's Loan Application. Borrower shall be In default If, during the Loan application process, Borrower
or any persons or entitles acting at the direction of Borrower or with Borrower's knowledge or Consent gave materially
false, misleading, or inaccurate Information orstatements 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
falls 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 Inatmmentor 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 attorneys' 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, draln 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. It 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 Note 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 Insurerthat 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 ahemate 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
Borrower any Interest or earnings on such loss reserve, If permitted underApplfcable Law. Lender can no longer require
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
payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of
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 permitted
under Applicable Law, or to provide a non-refundable loss reserve, unfit Lender's requirement for Mortgage Insurance
ends in accordance with any written agreement between Borrower and Lender providing for such termination or until
termination is required by Applcable Law. Nothing In this Section 10 affects Borrower's obligation to pay Interest at the
rate provided In the Note.
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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 Oak, or reduce losses. 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
j may have available (which may Include funds obtained from Mortgage Insurance premiums).
any omeremay,
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 risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the
Insurer's risk 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 other terms of the Loan. Such agreements will not increase the amount Borrower will 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 secudty 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, Orion 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 then 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 fair 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 notes 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 falls 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 sumo 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 fight of action In regard to Miscellaneoua Proceeds.
Borrower shall 6e In default if any action ar 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 Instmmen4 Borrower can cure suclt 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
fortelture 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 orclalm for damages that are attributable to the Impairment of Lender's Interest
In the Property ere hereby assigned and shall be paid to Lender.
All proWded l eous Proceeds that are not applied to restoration or repair of the Property shall be applied In the order
for
or In Section 2.
12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or
modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any
Successor In Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of
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
reason of any demand made by the original Borrower or any Successors In Interest of Borrower. Any forbearance by
Lender In exercising any right or remedy Including, without limitation, Lender's acceptance of payments from third
persons, entitles 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.
13. Joint and Several Liability; Co4gners; Successors and Assigns Bound. Borrower covenants and agrees
that Borrower's obligations and liability shall be Joint and several. However, any Borrower who co-signs this Secudty,
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Instrument but does not execute the Note (a "coslgner"p (a) Is cosigning this Security Instrument only to mortgage,
grant and convey the co-signer's Interest In the Property under the terns 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 Borrower who assumes Borrower's obligations
under this Security Instrument in writing, and Is approved by Lender, shall obtain all of Borrower's rights and benefits
Security Instrument unless Lander 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 Borrowerfess for services performed in connection with Borrower's default, for
the purposeofprotecting lenders Interest in the Property and rights underthis Security Instrument, Including, but nollimited
to, attorneys' 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 taw 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.
f 5. Notices. All notices given by Borroweror Lender in connection with this Security Instrument must be in writing.
Anynoflce to Borrower In connection with this Security Instrument shall be deemed to have been given to Borrowerwhen
mailed by first class mall 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 natty 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 malting 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; Severabllily; 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 sllent, 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) words 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 falls 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 ot: (a) five days
before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period
as Applicable Law might specify for the termination of Borrower's right to reinstate; or (a) 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
or agreements; (c) pays all expenses Incurred In enforcing this Security Instrument, including, but not limited to,
reasonable attorneys'lees, 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 Lender may
reasonably require to assure that Lender's Interest In the Property and rights under this Security Instrument, and
Borrower's obllgaflon 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 fallowing 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 secured
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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 Pol lc 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 name and address of the new Loan Servicer, the address to which payments should be made and any other
j Information RESPA requires In connection with a notice of transfer of servicing. If the Note Is sold and thereafter the Loan
Is serviced by 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 pangs 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
i Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section
16) 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 oorrecUve 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; (a)
"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 act 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 quantities 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 written 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) the condition
If Borrower learns, or Is notified by any governmental or regulatory authority, or any private party, that any removal or
other remer lation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all
i 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 16
unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to
cure the default; (c) a data, 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 xlstence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured
on or before the data specified in the notice, Lender at its option may require Immediate payment in full of all sums
secured by this Security Instrument without further demandand 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 Applicable
iLaw that Trustee can proceed to sale, Trustee shall take such action regarding notice of sale and shall give such
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 Properly at
public auction to the highest bidder at the time and place and under the terms designated In the notice of sale
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 covenant or
warranty, expressed or Implied. The recitals In the Trustee's deed shall be prima facie evidence of the truth of
the statements made therein. Trustee shall apply the proceeds of the sale In the following order: (a) to all
expenses of the sale, including, but not limited to, Trustee's fees of 0.00 % of the gross sale price; (b)
to all sums secured by this Security Instrument; and (a) any excess to the person or persons legally entitled to
NORTH CAROLINA—Sh9 a Family —Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30341/01
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LOAN #: 40074631
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 party for services rendered and
the charging of the fee Is permitted under Applicable Lew.
—�4. Subsghrte-Trusteo;.-L indeT mayyfrowtitNai-to t me remove I rus ee and appoint a successor trustee to any
Trustee appointed hereunder by an Instrument recorded In the county In which this Security Instrument Is recorded.
Without conveyance of the Property, the successor trustee shall succeed to all the title, power and dutles conferred upon
Trustee herein and by Applicable Law.
25. Attorneys' Fees. Attorneys' 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.
``] Itq (Seal)
FRANCES WILFONG HASTY DATE
STATE of NORTH CAROLINA }
} SS:
COUNTY of }
I certify that the following persons) personally appeared before me this day, each acknowledging to me that
he or she voluntarily signed the foregoing document: CHRISTOPHER CLAY HASTY AND FRANCES WILFONG
HASTY.
Date:
(Official Seal)
RECEIVED
Official Signature of Notary
AUG 2 0 2019
Notary's Anted or
ry' p typed name, Notary Public
My commission expires:
DCM-MHD CITY
'., Lender: First -Citizens Bank &Trust Company
NMLS ID: 503941
Loan Originator: Chris Davis
NMLS ID: 737682
NORTH CAROLINA-Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30341/01
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Mrst Citizens Bank
MEMBER FDIC
Christopher C. Hasty
Frances W. Hasty
LOAN NO.: 40074 631
BORROWER(S) CLOSING CERTIFICATION
RFc���FcI
MAH,IN, GADDRESS: 506 Chesapeake Place, Greenville, NC 27858 h '90 lr
PROP IRTY ADDRESS: 114 Hoop Pole Creek Drive, Atlantic Beach, NC 28512 04.%yt, 0201'9
Hastycv)
I.ann #: 40 74691
N OtCUPANCYSTATEMENT:
This is to cwtify that I, Christopher C. Hasty and Frances W. Hasty intend to occupy said property as
my primary residence within 60 days of loan closing. Failure to comply with occupancy shall constitute default under
terms of the loan and in case of default I must upon recall of the loan by the Lender immediately pay in full the balance
of� the loan and any other amounts to which Lender is entitled upon default. Upon failure to occupy, I
acknowledge that the interest rate may be accelerated to the non owner occupied rate in effect at the date of the original
application.
0 SALES CONTRACT: (If applicable)
A�1 of the conditions, including but not limited to inspections, of the Contract/Offer to Purchase signed and executed by
mp have been satisfactorily met.
N EMPLOYMENT CERTIFICATION:
I im currently working and income circumstances have not changed from that as shown on the loan application. I have
re,6eived no notice of layoff and do not have any knowledge of pending layoff. My outstanding obligations are
substantially the same as reported on the application.
19 COMPLIANCE AGREEMENT:
T e undersigned borrower has been advised by the closing agent that the loan documents being executed this date do not
have final approval of or acceptance by the investor or guarantor which has issued its commitment to purchase or
guarantee the loan. As a condition of tender proceeding with the closing or disbursement of loan proceeds, I agree to
fully cooperate and adjust for clerical errors on any loan documents and will execute whatever additional documents
mAy be required in order to make this loan eligible for purchase or guarantee by the investor or insuring agency.
El BORROWER'S ACKNOWLEDGMENT:
The fender accepts no responsibility for nor does it warrant the accuracy or completeness of any termite letters, repah
inspections, appraisals, title reports, title insurance, or any other type of inspection or report regarding the physical
cod dition or title to the property subject to your mortgage loan. The borrower(s) hereby acknowledges that it is the
borrower's
responsibility to confirm the accuracy and completeness of such materials and the borrower further waives
any and all claims against the Lender, its successors and assigns. The borrower(s) have found the property to be in
sa(isfactory condition without reservation in all respects.
El C IkEDIT CERTIFICATION:
T 1is is to certify that I, Christopher C. Hasty and Frances W. Hasty have not obtained any additional credit
not listed on the Final Application.
40074631
WARNING: SECTION 1010 OF TITLE 18, U.S.C., PROVIDES: "WHOEVER, FOR THE PURPOSE OF ...
INFLUENCES SUCH ADMINISTRATION... MAKES, PASSES, UTTERS, OR PUBLISHES ANY STATEMENT,
KNOWXNG THE SAME TO BE FALSE... SHALL BE FINED NOT MORE THAN $5000 OR IMPRISONED NOT
'0� 166382 Page 1 of 2 PCB-104YCB (08/08)

MORE, THAN TWO YEARS OR BOTH."
I/We ceitify that the above applicable representations are true and correct as of 05/23/2019.
v - I
- BORROWER - Christopher C. Hasty -DATE -
- BORROWER - Frances W. Hasty - DAT -�1�
i
STATE OF )
ss.
COUNTY OF )
Sworn to and subscribed before me this _ day of
(Seal)
100 16638.2
Notary Public
My Commission Expires:
Page 2 of 2
FCB-104.FCB (08/08)

TAX RECORD INFORMATION SHEET
THIS FORM MUST BE COMPLETED BY TITLE OFFICER, ESCROW OFFICER AND/OR
CLOSING ATTORNEY AND SIGNED BY SAME.
THIS SHEET MUST RE COMPLETELY FILLED OUT OR IT WILL BE RETURNED FOR COMPLETION.
HWs I RUC I IUNS FUH COMPLETION OF TAX RECORDS:
1. Tax legal description must be exactly as shown on tax records.
2. Show only all taxing authority where we are escrowing for payment.
3, Tax bills & Information are obtained from this sheet. Therefore, R must be completed in full, Include any Assessments,
Municipal Utility Districts, Ground Rents, etc. that are escrowed for payment.
The following Information Is Certified by: Julie G Wickizer
DATE----
LOAN#
Christopher Clay Hastl
Frances Wlifong Hasty
TITLEESCROWICLOSING ATTORNEY
RECEIVED
CURRENTTAX ASSESSMENT BASED ON: AUG 2 0 2019
[ ]ACREAGE [ ]VACANT [ [ PARTIAL CONSTRUCTION [ ] COMPLETE CONSTRU ION
LEGAL DESCRIPTION: �CM� CITy
SECTION BLOCK LOT(S) 5 TRACT MHD
MAP UNIT# TWNSHP RANGE
SUBDIVISION
METES &BOUNDS [ ]YES f 1NO
TYPE OF TAX Coun_ NTaxLAST AMOUNT PAD C ,
CURRENT TAXES PAID THRU DATE NEXT DUE DATE
NEXT AMOUNT ;QDUE �� -THIS AMOUNTS IS ESTIMATE [ ]ACTUAL
PAY ENT FREQUENCY;
[ ]ANNUAL ( ]SEMI-ANNUAL [ ]QUARTERLY [ ]TRI-ANNUAL
TAXING AUTHORITY NAME & ADDRESS: PARCEUPROPERTY ID/rM8#
e t C t 6365.16,94.7026000
PARCEUPROPERTY ID/TMS #
TYPEOFTAX-CltvTax
LASTAMOUNTPAID
CURRENT TAXES PAID THRU DATE
NEXT DUE DATE
NEXT AMOUNT DUE
YPA MENT FREQUENCY:
-THIS AMOUNTS IN ]
STI ATE [ ]ACTUAL
]ANNUAL [ ]SEMI-ANNUAL [
]QUARTERLY [ ]TRI-ANNUAL
TAXING AUTHORITY NAME & ADDRESS:
PARCEUPROPERTY ID/TMS #
y}t[antic beach
'b2`
6,65.16 94 7026000
( L• (�1C 1 V
PARCEL/PROPERTY ID/TMS #
C
'1
TYPE OF TAX
LAST AMOUNT PAID
CURRENT TAXES PAID THRU DATE
NEXT DUE DATE
NEXT AMOUNT DUE
PAYMENT FREQUENCY:
-THISAMOUNTSIS[ ]ESTIMATE [ ]ACTUAL
[ ]ANNUAL [ ]SEMI-ANNUAL [
]QUARTERLY [ ]TRI-ANNUAL
TAXING AUTHORITY NAME & ADDRESS:
PARCEUPROPERTY ID/TMS #
PARCEUPROPERTY ID/IMS #
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LOAN #: 40074631
TYPE OF TAX LAST AMOUNT PAID
CURRENT TAXES PAID THRU DATE NEXT DUE DATE
NEXT AMOUNT DUE-THISAMOUNTSIS[ ]ESTIMATE [ ]ACTUAL
PAYMENT FREQUENCY:
[ ]ANNUAL [ ]SEMI-ANNUAL ( ]QUARTERLY [ ]TRI-ANNUAL
TAXING AUTHORITY NAME & ADDRESS: PARCEUPROPERTY ID/TMS #
PARCEUPROPERTY ID/TMS #
TYPE OF TAX LASTAMOUNT PAID
CURRENT TAXES PAID THRU DATE NEXT DUE DATE
NEXT AMOUNT DUE THISAMOUNTSIS[ ]ESTIMATE [ ]ACTUAL
PAYMENT FREQUENCY-
[ ]ANNUAL [ ]SEMI-ANNUAL [ ]QUARTERLY ( ]TRI-ANNUAL
TAXING AUTHORITY NAME & ADDRESS: PARCEUPROPERTY ID/TMS #
PARCEUPROPERTY ID/TMS#
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EXHIBIT "A"
Beginning at the point in the northern right of way margin of Lee Street, said point being North
89 degrees 15 minutes West 85 feet from a concrete monument which concrete monument marl
the southwest corner of Tract 1 as shown on that certain map of record in Map Book 2, Page 68
and 9, Carteret County Registry; thence from said beginning point North 05 degrees 15 minutes
East 218.62 feet to a point in the highwater mark of Bogue Sound; thence along and with the
highw�ter mark of Bogue Sound South 86 degrees 26 minutes West 85.78 feet to a point in the
highwater mark of Bogue Sound; thence South 05 degrees 15 minutes West 211.87 feet to a
point in the northern right of way margin of Lee Street; thence South 89 degrees 15 minutes East
with the northern margin of Lee Street 85 feet to the point and place of Beginning.
REiCElVE.D
AUG 0
p pak r 1 :;ITY

See Exhibit A
This being the -same -property conveyed to Grantors in Book-931TP-age 6l-�Carteret CounV Registr
This IS NOT_X_ the primary residence of the Grantor.
The above -described property is conveyed and accepted subject to such easements,
restrictions and rights of way as appear of record in the Carteret County Registry.
TO HAVE AND TO HOLD the aforesaid lot, tract or parcel of land and all privileges and
appurtenances thereto belonging to the GRANTEE in fee simple.
And the GRANTOR covenants with the GRANTEE, that GRANTOR is seized of the
premises in fee simple, has the right to convey the same in fee simple, is marketable and free and
clear of all encumbrances, and that GRANTOR will warrant and defend the title against the lawful
claims of all persons whomsoever excluding the exceptions stated herein and designated on the map
referred to above.
IN WITNESS WHEREOF, the GRANTOR has hereuntptlaOisUiPand seal, the day and
year first above written.
AUG 2 0 N19
DCM-MHD CITY
p Sj
BY :� I li�"4�� 1 lei t . �. �- (SEAL)
Robert Paschal nMember/Manager gf Hoophole Creek BProp. Ltd. Ptnsp.
BY: �/` n a. S t-J-` SEAL)
Anna Paschal Member/Manager of Hoophole Creek Prop. Ltd, Ptnsp.
STATE OF NORTH CAROLINA
COUNTY OF
1, a Notary Public of the county and state aforesaid, certify that Robert Paschal and Anna Paschal
Member/Manager of Hoophole Creek Prop. Ltd. Ptnsp. personally appeared before me this day
and acknowledged the execution of the foregoing instrumev1
Witness my hand and official stamp or seal, this,2U8aI/of
My commission expires:
O% '7Z-���
`APRIL FElVNELL
Notary Public
-C� Wake Co., North Carolina
of Nota Y Commission Expires Sept, 20.2022

111111
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EXISTING DOCK PROFILE ELEVATION
SCALE: 1 "=15'
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PROPOSED DOCK PROFILE ELEVATION
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ELIZABETH BULLOCK
120 HOOP POLE CREEK DR
ATLANTIC BEACH, NC
ELIZABETH CORTEZ
118 HOOP POLE CREEK DR
ATLANTIC BEACH, NC
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W W W WATER DEPTH INCREASES A MINIMUM OF
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152' W W520'
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PROPERTY LINE W W W APPROX. 310' FROM MARSH EDGE
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CHRISTOPHER HASTY
114 HOOP POLE CREEK DR
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ANDAMAC PROPERTIES, LLC
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ATLANTIC BEACH, NC
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SCALE: 1 "=60' x4.25'
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AUG 2 0 Z019
I)CM- AHD CITY
ELIZABETH CORTEZ W i W W W W W W W W W EXISTING DOCKING FACILITY
118 HOOP POLE CREEK DR W IW W W W W W W W W
ATLANTIC BEACH, NC W W W W W
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ATLANTIC BEACH, NC
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