20221206 Ver 1_CAMA Application_20220831

DIVISION OF COASTAL MANAGEMENT
FIELD INVESTIGATION REPORT
I. APPLICANT'S NAME: Marc Scudder
2. LOCATION OF PROJECT SITE: 125 High Point Street, in a canal adjacent to the AIWW, in Holden Beach,
Brunswick County.
Lat: 33.913979°N Long:-78.289961°W
3. INVESTIGATION TYPE: CAMA
4. INVESTIGATIVE PROCEDURE: Dates of Site Visit - 8/9/22 Was Applicant Present -- No
5. PROCESSING PROCEDURE: Application Received - 8/1/22 491 Prefile Date 7/20/22 Complete - 8/11/22
Office - Wilmington
6. SITE DESCRIPTION:
(A) Local Land Use Plan - Brunswick County
Land Classification from LUP -Residential
(B) AEC(s) Involved: PTA, EW
(C) Water Dependent: Yes
(D) Intended Use: Private
(E) Wastewater Treatment: Existing - N/A Planned - N/A
(F) Type of Structures: Existing - Multi family condominium with existing bulkhead, private 2 slip docking
facility
Planned -construct one additional boat lift (one additional slip) for a total of 3 slips
(G) Estimated Annual Rate of Erosion: N/A
Source - N/A
7. HABITAT DESCRIPTION:
[AREA]
DREDGED
FILLED
OTHER
(A) Vegetated Wetlands (Coastal
Wetlands)
(B) Non -Vegetated Wetlands
(Open water)
(C) Other (High ground)
_
169 SF
additional
incorporated
(D)
(E)
Total Area Disturbed: 169 SF (.003 acres
Primary Nursery Area: No
Water Classification: SA Open: No
8. PROJECT SUMMARY: The applicant proposes to expand an existing docking facility with the construction of
a new boat lift, increasing from two (2) existing slips to three (3) proposed slips.
127 Cardinal Drive Ext., Wilmington, NC 28405
Phone: [phone] FAX: [phone] Internet: www.nccoastalmanagemeent.net
An Equal Opportunity 1 Affirmative Action Employer - 50% Recycled 110% Post Consumer Paper

Scudder Docking Expansion
Page Two
9. PROJECT DESCRIPTION:
The project site is located at 125 High Point Street, on a canal adjacent to the AIWW, in Holden Beach,
Brunswick County. The site is approximately 0.27 acres, and is vegetated primarily with manicured lawn grass.
There is an existing multi family residence on the parcel site, and an existing bulkhead (permit 87796D, issued
6/2022) that was recently replaced in the same footprint. The project site has approximately 10011 of shoreline
frontage along the canal. There are currently two slips on the parcel, which consist of two separate floating docks
that are accessed by separate fixed platforms. The northernmost platform (10' x 30') extends waterward from the
bulkhead and terminates on a T head fixed platform (8' x 6'). From the T head, a gangway extends to the north
and provides access to a floating dock (8' x 16') which is oriented parallel with the shoreline and serves as slip
#1. The southernmost platform (6.5' x 6') extends waterward from the bulkhead a gangway provides access to a
second floating dock (8' x 24') which is oriented parallel with the shoreline and serves as slip #2.
The Brunswick County Land Use Plan classifies the adjacent waters as Conservation. The waters of the A1WW
are classified SA by the Division of Water Resources. This area is is not designated as a Primary Nursery Area
(PNA) by the N.C. Division of Marine Fisheries and it is CLOSED to the harvest of shellfish.
PROPOSED PROJECT:
The applicant proposes to expand an existing docking facility with the construction of a new boat lift, increasing
from two (2) existing slips to three (3) proposed slips. According to the application materials, the applicant is
proposing to construct a new boat lift (13'x 13') in between the southernmost existing floating dock and the
northernmost existing fixed platform. According to the agent, the boat lift would be located in water depths
ranging from -2.8@ NLW on the landward side to -5.0' @ NLW on the waterward side.
According to the work plan drawings, the applicant's proposal is located within their riparian corridor, and
landward of the 1/4 of the width of the waterbody, which measures approximately 87' across. The proposed boat
Iift would not encroach into either adjacent riparian corridor setback.
10. ANTICIPATED IMPACTS
The proposed boat lift would incorporate an additional 169 sq. ft. of Estuarine Waters and Public Trust Area.
Currently, the existing facility incorporates 707 SF of Estuarine Waters and Public Trust Area. The proposed
boatlift would be consistent with the pierhead line and landward of the 1/4 width. This area is not designated as
Primary Nursery Area, and the proposed lift would be located in water depths ranging from -2.8 to -5.0 at NLW
according to the applicant. Minor increases in turbidity should be expected during construction.
Submitted by: Patrick Amico Date: 8/25/22 Office: Wilmington

RECOMMENDATIONS FOR 125 High Point Street Holden Beach
The total area of platform was calculated as follows:
Shoreline length = 100 ft. x 8 ft. = 800 SF allowable
Existing Fixed Platform = 10 ft. x 30 ft. = 240 SF, (300SF minus 60 SF for access credit)
Fxictin. ixMri Ptatfnrm = R ft x (, ft = 4R SF, Gant rnanatPd fnr chnding nrePccsrodit)
Existing Fixed Platform = 6.5 ft. x 6 ft. = 39 SF
Existing Floating Dock = 8 ft. x 16 ft. = 128 SF
Existing Floating Dock = 24 ft. x 8 ft. =192 SF
Proposed Boatlift = 13 ft. by 13 ft. = 169 SF, (not counted for shading)
Total Counted sq. ft. = 599 SF
The proposed boatlift would provide docking space for one additional vessel, increasing the slip count from 2 to
3 slips. The proposed boat Iift would extend approximately 21' into the waterbody, which measures approximately 87'
across. As proposed, the project would be CONSISTENT with the use standards set forth in NCAC 07H .0208,
including the docking facility length limitations, the eight square -foot shading rule. The proposed boat lift
would not encroach into the 15ft. riparian setback for either adjacent riparian property. The proposed boat lift
would be located entirely over open water in water depths ranging from -2.8 to -5.0 @ NLW, according to the
applicant.
127 Cardinal Drive Ext., Wilmington, NC 28405
Phone: [phone] FAX: [phone] Internet: www.nccoastalmanagement.net
An Equal Opportunity 4Affirmative Action Employer

Project Narrative: 125 High Point St. (Holden Beach —Brunswick)
(Scudder Docking Facility)
The applicant is proposing to add a 10,O0Olb (13'x13') boat lift to his existing docking facility. The
existing docking facility includes three fixed platforms (6.5' x 6' (4' over water) , 10' x 30' , and 8' x 6')
and two floating docks (8' x 24') and (8' x 16'). The existing docking facility has 2 formalized slips and
the proposed boat lift will increase that to 3 formalized slips. The property has approximately 100' of
shoreline (existing bulkhead). At NLW the most waterward depths of the docking facility are greater than
-5.0 feet. The new boat lift landward pilings are proposed in -2.33 feet of water at normal low water.
Existing Docking Facility Shaded Impact:
Fixed Platforms — 372 sq. ft.
Floating Docks — 320 sq. st.
Total — 690 sq. ft.
Waterbody Width: 87'
%4 Width: 22'
Proposed:
13' x 13' Boat Lift (10,00O1b)
• The project proponent hereby certifies that all information contained herein is true, accurate, and
complete to the best of my knowledge and belief.
• The project proponent hereby requests that the certifying authority review and take action on this
CWA 401 certification request within the applicable reasonable period of time.
$250 to NCDEQ Check No. 025692
(Dated 7.14.2022)
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113
401 Prefiling 7.20.2022
RECEIVED
AUG I 2022
DDM WILMINGTON N

DGM MP-1
APPLICATION for
Major Development Permit
(last revised 12127106)
North Carolina DIVISION OF COASTAL MANAGEMENT
1. Primary Applicant/ Landowner Information
Business Name N/A
Project Name (if applicable) Scudder Docking Facility
Applicant 1: First Name
Marc
MI
J.
Last Name
Scudder
Applicant 2: First Name
Applicant3: Michael/Tina
MI
N/A
Last Name Scudder
If additional applicants, please attach an additional page(s) with names listed.
Mailing Address 4501 Lewiston Oaks Ct.
PO Box
N/A
City
Greensboro
State
NC
ZIP
27410
Country
USA
Phone No.
336-707-4261
FAX No.
N/A
Street Address (if different from above)
125 High Point St.
City
Holden Beach
State
NC
ZIP
28462
Email
[e-mail]
2. Agent/Contractor Information
Business Name CPU, LLC.
Agent/ Contractor 1: First Name
Ben
MI
B
Last Name
Brink
Agent/ Contractor 2: First Name N/A
MI N/A
Last Name N/A
Mailing Address N/A
PO Box
1661
City
Carolina Beach
State
NC
ZIP
28428
USA
Phone No. 1
910-302-5725
Phone No. 2
N/A
FAX No. N/A
Contractor # N/A
Street Address (if different from above) N/A
City
N/A
State
N/A
ZIP
N/A
Email
[e-mail]
r5r-"r<c‘ sr-...,
<Form continues on back>
0.eC1 V Ct�
AUG 2022
GTON NC
252-808-2808 .. 1-888-4RCOAST www.nccoastalmanage�f 1 MIN
nt'e"lr

Form DCM MP-1 (Page 2 of 4)
APPLICATION for
Major Development Permit
3. Project Location
County (can be multiple)
Brunswick
Street Address
125 High Point St.
State Rd. #
N/A
Subdivision Name
N/A
City
Holden Beach
State
NC
Zip
28462
Phone No.
336-707-4261
Lot No.(s) (if many, attach additional page with list)
Parcel PIN 201619505425
a. In which NC river basin is the project located?
Lumber
b. Name of body of water nearest to proposed project
Manmade Canal
, l the water laud
[Natural IManmade
( identified in
L]tUnknown
0 abo)e, noturol or manmade?
d, Nome tho Glose;;t major wotor I?ody to tho proposed projeot site.
AIWW
e, IS proposed work within city limits
1YeS :No
or planning jurisdiction?
f. If applicahl2, list the pignning jurisdiction or city limit the proposed
work falls within.
Holden Beach
4. Site Description
a. Total length of shoreline on the tract (ft.)
WO'
b. Size of entire tract (sq.ft.)
c. Size of individual lot(s)
11,761.2 sq. ft. or 0.27 acres
(If many lot sizes, please attach additional page with a list)
11,761.2 sq ft
d. Approximate elevation of tract above NHW (normal high water) Or
NWL (normal water level)
5' XNHWorONWL
e. Vegetation on tract
Manicured lawn, shrubs, coastal wetlands waterward of the existing bulkhead (Spartina altermflora)
f. Man-made features and uses now on tract
Multi -Family Unit (4) - docking facility with fixed platform and (2) floating docks, bulkhead
g. Identify and describe the existing land uses adiacent to the proposed project site.
Single family homes with docking facilities and existing bulkheads
h. How does local government zone the tract?
N/A
i. Is the proposed project consistent with the applicable zoning?
(Attach zoning compliance certificate, if applicable)
❑Yes ❑No X NA
j. Is the proposed activity part of an urban waterfront redevelopment proposal?
❑Yes XINo
k. Has a professional archaeological assessment been done for the tract? If yes, attach a copy.
❑Yes ❑Ne AINA
If yes, by whom? _
I. Is the proposed project located in a National Registered Historic District or does it involve a ❑Yes ❑No X IA

Form DCM MP-1 (Page 3 of 4) APPLICATION for
Major Development Permit
m. (i) Are there wetlands on the site?
(ii) Are there coastal wetlands on the site?
(iii) If yes to either (i) or (ii) above, has a delineation been conducted?
(Attach documentation, if available)
n. Describe existing wastewater treatment facilities.
Brunswick County
o. Describe existing drinking water supply source.
Brunswick County
p. Describe existing storm water management or treatment systems.
Brunswick County
XIYes LINo
X Yes [No
EYes X 'No
5. Activities and impacts
a. Will the project be for commercial, public, or private use? ['Commercial ['Public/Government
X Private/Community
b. Give a brief description of purpose, use, and daily operations of the project when complete.
Boating and recreational use
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.
Standard marine construction for a
10k boatlift (4 pilings w/ cradle)
d. List all development activities you propose.
Standard marine construction for a
10k boatlift (4 pilings w/ cradle)
e. Are the proposed activities maintenance of an existing project, new work, or both?
New work
f. What is the
approximate total disturbed land area resulting from the proposed project? X Sq.Ft or •Acres
0
g. Will the proposed project encroach on any public easement, public accesaway or other area ❑Yes X No LINA
that the public has established use of?
h. Describe location and type of existing and proposed discharges to waters of the state.
N/A
i. Will wastewater or stormwater be discharged into a wetland? •Yes X No ❑NA
If yes, will this discharged water be of the same salinity as the receiving water? ❑Yes ❑No X NA
j. Is there any mitigation proposed? ❑Yes :No X INA
if yes, attach a mitigation proposal.
<Form continues on back>
RECEIVED
AUG 12022
252-808.2808 :: T-888-4RCOAST : www.nccoastatmanaget J$ .WEIftMlNGTON, NC

Form DCM MP -I (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 FULTON SUSAN BATSON
Address 127 HIGH POINT ST. SUPPLY, NC 28462-1918
Phone No.
Name KRING KRISTINE AND KRING SANDRA G Phone No.
Address 3 GARDEN LN. KIRKWOOD, MO 63122-2636
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.
N/A
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.
7. 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.
I 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 Jul 12, 2022 Print Name Marc scudder
Signature
5
van
Please indicate application attachments pertaining to your proposed project.
❑DCM MP-2 Excavation and Fill Information
❑DCM MP-3 Upland Development
X DCM MP-4 Structures Information
❑DCM MP-5 Bridges and Culverts
RECEIVED
AUG 1 2022
DCM WILMINGTON, NC
252-808-2808 .. 1-888-4RCOAST www.nccoastalmanagement.net

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.
9. DOCKING FACILITY/MARINA CHARACTERISTICS
❑This section not applicable
a. (i) Is the docking facility/marina:
❑Commercial ❑PubliclGovernment X Private/Community
c. (i) Dock(s) and/or pier(s)
(ii) Number
(iii) Length
(iv) Width
(v) Floatin. Oyes ❑No
e. (i) Are Platforms included? ❑Yes ❑No
If yes:
(ii) Number
(iii) Length
(iv) Width
g.
(v) Fl
ng ❑Yes ❑No
Not . Roofed areas are calculated from dripline dimensions.
(i) Number of slips proposed
1
(ii) Number of slips existing
2
i. Check the proposed type of siting:
El Land cut and access channel
❑Open water; dredging for basin and/or channel
X Open water; no dredging required
['Other; please describe:
22'
k. Typical boat length:
m. (i) Will the facility have tie pilings?
❑Yes XNo
(ii) If yes number of tie pilings?
N/A
b. (i) Will the facility be open to the general public?
❑Yes XINo
d. (i) Are Finger Piers included? ❑Y> ❑No
If yes:
(ii) Number
(iii) Length
(iv) Widt
(v) FI.-ting ['Yes ❑No
f. (i) Are Boatiifts included?
If yes:
(ii) Number 1
(iii) Length 13'
(iv) Width 13'
1XYes
❑No
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
X Dockage ("wet slips") only, number of slips:
❑ Dry storage; number of boats:
❑ Boat ramp(s); number of boat ramps:
El Other, please describe:
3
j. Describe the typical boats to be served (e.g., open runabout,
charter boats, sail boats, mixed types).
open runabout
I. (i) Will the facility be open to the general public?
Oyes XJNo RECEIVED
252-808-2808 e; 1-888-4RCOAST wrvwenccoastaln artsgo Haut.€ et revised: 12/27/06

Form DCM MP-4 (Structures, Page 2 of 4
2. DOCKING FACILITY/MARINA OPERATIONS
X 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 controile
e. (i) Give the location and number of No Sewage Di harge" signs proposed.
(ii) Give the location and number of "Pum
f. Describe the special design, if a
ut Available" signs proposed.
licable, for containing industrial type pollutants, such as paint, sandblasting waste and petroleum products.
g. Where will residue from vessel maintenance be disposed of?
h. Give the number o channel markers and No Wake" signs proposed.
i. Give the locatlo of fuel -handling facilities, and describe the safety measures planned to protect area water quality.
j. What will •e the marina policy on overnight and live -aboard dockage?
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?
RECEIVED
AUG 202'2
DCM WILMINGTON, NC
252-808-2808 :: 1-888-4RCOAST :: www.nstoastalmanagement.net remised: 12'27/06

Form ©Cliff MP-4 (Structures, Page 3 of 4)
m. Is the marina/docking facility proposed within a primary or secondary nur
['Yes ONO
n. Is the marina/docking facility proposed within or adjace
❑Yes ❑No
o. Is the marina/docking facility proposed w'
(SB), or other wetlands (WL)? If a
area?
any shellfish harvesting area?
or adjacent to coastal wetlands/marsh (CW), submerged aquatic vegetation (SAV), shell bottom
oxes are checked, provide the number of square feet affected.
OCW OSAV ❑SS
OWL _ ❑No
p. is the proposeanna/docking facility located within or within close proximity to any shellfish leases? DYes ❑ No
If yes, giv= e name and address of the leaseholder(s), and give the proximity to the lease.
3. BOATHOUSE (including covered lifts)
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.
4. GROIN (e.g., wood, sheetpile, etc. If a rock groin, use MP-2, Excavation . nd Fill.)
a. (i) Number
(ii) Length
(iii) Width
x ')his section not applicable
X This section not applicable
5. BREAKWATER (e.g., wood, sheetpile, etc.) X 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
X]This section not applicable
a. Is the structure(s):
['Commercial ❑Public/Government
C. Distance to be placed beyond shoreline
Note: This should be measured from m
e. Arc of the swing
❑Priv=te/Community
h edge, if present.
b. Number
d. Description of buoy (color, inscription, size, anchor, etc.)
RECEIVED
AUG 120Z2
OCM WILMINGTON, NC
252-808-2808 :: 1-888-4RCOAST :: wnrww.nccoastalmanaaementmet
revised_ 12/27106

Form DCM MP-4 (Structures, 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.
—12' and -4' (proposed boat lift is >35' from either riparian property line) -,25' and _19'
Note: For buoy or mooring piling, use arc of swing including length
of vessel.
c. Width of water body
87'
e. (i) Will navigational aids be required as a result of the project'?
❑Yes X No DNA
(ii) If yes, explain what type and how they will be implemented.
N/A
d. Water depth at waterward end of structure
-5.0' @ NLW
7.19.2022—10:10am
NWL
8. OTHER
This section not applicable
a. Give complete description:
The applicant is proposing to add a 10,000lb (13'xI3') boat lift to his existing docking facility. The existing docking
facility includes three fixed platforms (6.5' x 6' (4' over water) , 10' x 30' , and 8' x 6') and two floating docks (8' x 24')
and (8' x 16'). The existing docking facility has 2 formalized slips and the proposed boat lift will increase that to 3
formalized slips. The property has approximately 100' of shoreline (existing bulkhead). At NLW the most waterward
depths of the docking facility are greater than -5.0 feet. The new boat lift landward pilings are proposed in -2.33 feet of
water at normal low water.
Jul 12, 2022
Date
Scudder Docking Facility
Project Name
Marc Scudder
Applicant Name
N1pS
Marc scudder (Jul 12, 2u212:48 EDT)
Applicant Signature
RECEIVED
AUG 12022
DCM WILMINGTON, NC
fl CEIVED.
DCM W'iLM1N,GTON, t'C
252-808-2808 :: 1-888-4RCOAST .^. www.reccoastatmanagement.net revised: 12/27/06

ROY COO1R
Governor
ELIZABETH S. BISER
Secretary
BRAXTON DAVIS
Director
Ben Brink
P.O. Box 1661
Carolina Beach, NC 28428
Dear Mr, Brink:
NORTH CAROLINA
Environmental Quality
August 30, 2022
The Division of Coastal Management hereby acknowledges receipt of your application, acting as agent for Marc
Scudder, for State approval for development of the subject property located at 125 High Point Street, in Holden
Beach, Brunswick County. It was received as complete on August 11th, 2022 and appears to be adequate for
processing at this time. The projected deadline for making a decision is October 25, 2022. 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 August 11th 2022, 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-11g(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.
Amico
Field Representative
cc: Cameron Luck, DCM
Kim Harding, DMF
WiRo
Greg Curry, USACE Holley Snider, DWR
Marc Scudder, Applicant Rhonda Whooten, LPO
North Carolina Department of Environmental Quality ; Division of Coastal Management
Wilmington Office 1127 Cardinal Drive Extension I Wilmington, North Carolina 213405
910.796.T215

NORTH CAROLINA
Environmental Duality
August 31, 2022
[e-mail]
2 Pages
Star News
Legal Advertisement Section
Re: Major Public Notice for:
• Marc, Michael & Tina Scudder — Brunswick County
• John McClure— Brunswick County
• John Drish — New Hanover County
ROY COOPER
Governor
ELIZABTH BISER
Secretary
BRAXTON DAVIS
Director, Division of Coastal Management
Hello: Please publish the attached Notice in the Sunday, September 4, 2022 issue.
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 Tanya Pietila at the NC Division of Coastal
Management, 127 Cardinal Drive Extension, Wilmington, NC 28405, 910-796-7226
(Customer No. 489895).
Thank you for your assistance in this matter.
T. K. P'
Pe itting Support & Customer Assistance
cc: MHC Files
Cameron Luck — MHC
USACE
State of North Carolina I Environmental Quality I Coastal Management
127 Cardinal Drive Ext., Wilmington, NC 28405 919 796 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 August 25 2022, Marc, Michael & Tina Scudder proposed to
expand an existing private docking facility from two (2) slips to three (3) slips at 125 High Point St., in a canal
adj. to the AIWW in Holden Beach, Brunswick County; On August 25, 2022, John McClure proposed to
expand an existing private docking facility from two (2) to three (3) slips at 1853 East Sea Aire Canal SW, adj.
to the AIWW in Supply, Brunswick County; And on August 30, 2022, John & Melanie Drish proposed to
expand an existing private docking facility from two (2) to three (3) slips at 5401 Efird Rd., adj. to Hewletts
Creek, in Wilmington, New Hanover County. Copies of these applications can be examined or copied at the
office of PatrickArnico (Brunswick County) or Bryan Hall (New Hanover County) N.C. Dept. of Environmental
Quality, Division of Coastal Management, 127 Cardinal Drive Ext., Wilmington, NC 28405, [phone]
(Patrick Arnica), [phone] (Bryan Hall) 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 September 25, 2022 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.

AGENT AUTHORIZATION FOR CAMA PERMIT APPLICATION
Name of Property Owner Requesting Permit:
Mailing Address:
Phone Number:
Email Address:
I certify that I have authorized
Marc Scudder
4501 Lewiston Oaks ct
Greensboro nc 27410
336-707-4261
[e-mail]
CPG, LLC
Agent / Contractor
to act on my behalf, for the purpose of applying for and obtaining all CAMA permits
necessary for the following proposed development:
docking facility (add boatlift to existing)
125 Highpoint St.
at my property located at
in Brunswick County.
Y
I furthermore certify that I am authorized to grant, and do in fact grant permission to
Division of Coastal Management staff, the Local Permit Officer and their agents to enter
on the aforementioned lands in connection with evaluating information related to this
permit application.
Property Owner information:
Marc scudder (Jul 12, 202212:48 EDT(
Signature
Marc Scudder
Print or Type Name
Property Owner
Title
7 i 7 / 2022
Date
This certification is valid through 7 i 7 1 2023
RECEIVED
AUG 12022
Dee 16.n1 climrnTroA! it

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AUG 12022
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Location Map: 125 High Point St. (Holden Beach —Brunswick)
Scudder Docking Facility
.",. Intracoastal Waterway Intracoastal waterway
57 min (43.2 miles) - <
via US-17 S/Ocean Hwy E
Fastest route now due to traffic conditions
127 Cardinal Dr Exn
Wilmington, NC 28405
5 Follow N Cardinal Dr/Cardinal Dr Exn to Market St
t min (D.4 rni}
Take US-74 W/Martin Luther King Jr Pkwy and US-
17 S to Stone Chimney Rd SE in Brunswick County
38 rrun (32.7 mil
Continue on Stone Chimney Rd SE. Drive to High
Point St in Holden Beach
16 rein 0O1 mij
125 High Point St
Hoiden Beach, NC 28452
RECEIVED
AUG 12022
3CM WILMINGTON, W;

x•
seany...4
44t
1 0V3
DCM WILMINGTON, NC

Flood — Ebb)
Waterbody Width: S7
iX
•
Fixed (10' x 30')
100' of Shore
Coastal Wetlands
Coastal Wetlands
MINE
125 High Point
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DCM WILMINGTON, NC

CCM WILMINGTON, iC
'hof/ 3

6/13/22, 1:18 PM
Appraisal Card
BRUNSWICK COUNTY
6/13/2022 1:18:36 PM
Return/Appeal Notes: parcel: 232PG030
125 HIGHPOINT ST UNIT 2 SUPPLY 28462 HOLDEN BEACH PLAT: /UNIQ ID 94093
80003854 ID NO: 201E19505425.0002
BRUNSWICK COUNTY {100), HOLDEN BEACH (100), TRI-BEACH FIRE (331) CARD NO. 1 of
1
Revel rear. 2019 Tax Year: UNIT 2&4 PIER 35 CONDO PLAT 6/26 ADD 18X50 2.0000 UT SRC=
2021
Appraised by OS on 09/07/2018 X503 HOLDEN BEACH EAST OF GATE TW-05 CI- FR EX- AT- LAST ACTION 20190603
13 19
CONSTRUCTION DETAIL
MARKET VALUE
DEPRECIATION
CORRELATION OF VALUE
Foundation - 4
EN
BASE
!Standard 0.39000
Con
Sub FF ooCSystem - 4 5-00USEMOO
Area
QUAL
RATE
RCN
EYB
AYB
CREDENCE TO MARKET
Plywa/ptl hd 6 o0
06
03
2,444
105
126.00
30794419801972
% GOOD 161.0
DEPR. BUILDING VALUE -CARD 227,850
Exterior Walls - 08
Masonite on Sheathing 25.00'
TYPE: CONDOMINIUM, BEACH
HER CONSTRUCTION
DEPR, OB/XF VALUE - CARD p
MARKET LAND VALUE - CARD 0
Exterior Walls - 16
WOod/Vinyl Shingle 0.00
STYLE: 1 - 1.0 Story
TOTAL MARKET VALUE - CARD 227,854
Roofing Structure - 08
Wood Tress 4.00
_
120oNng Cover - 03
Composlor Shingle 4.00
Interior Wall Construction - 5
DrywalUSheetrock 28.00
N.
:e
T
TOTAL APPRAISED VALUE - CARD 227,850
TOTAL APPRAISED VALUE • PARCEL 227,850
Interior Floor Cover - 14
Carpet 10.00
Heating Fuel - 04
Electric 1.00
trTOTAL
PRESENT USE VALUE -PARCEL 0
TOTAL VALUE DEFERRED - PARCEL 0
Type - 09
Heat Pump Only 4.00
'
� IIHeating
TOTAL TAXABLE VALUE - PARCEL 227,850
Air Conditioning Type - 03
Central 4.00
i
PERMIT
Commerdal Heat &Air - 1
I'td1
E'
n
L101
CODE I DATE I NOTE I NUMBER I AMOUNT
Bone 0,00
Structural Frame - 02
Wood Frame 5.00
Ceiling & Insulation - 96
:a
Il 1n
TOUT; WTRSHD:
Not Suspended - Ceiling & Wells 0.00
Insulated
SALES DATA
Floor Number-2
OFF.
RECORD
DATE
DEED
INDICATE
SALES
Floor O.Oo
Unit
1
BOOK
PAGE
MO
YR
TYPE
Q/UV/I
PRICE
Location - CV
Comer whew 0.00
7
047220354
0335/
0983
10
12
2021
2012
GW
SL'
A
I
0
Unit Count-2
Units 0.00
s 6k, a
02671
025930143
0271
9
4
2007
2002
WO
WD
U
U
U
I
I
I
212500
0
Bedrooms/Bathrooms/Half-
Bathrooms
li
RIR
008280355
007300089
1
5
2000
1988
WD
CU
U
U
V
V
0
0
0
2/1/0 4.006
Bedrooms
BPS-2FUS-OLL-0 _
Bathrooms
8AS-1FUS-6LL-0
as'
_
Half -Bathrooms
S
BAS- OFUS -O LL - a _
Office
BAS -0 FUS - 0 LL - 0 0
Click on image to enlarge
TOTAL POINT VALUE I100,000
BUILDING ADJUSTMENTS
Market/Denison
02
1.1000
Quality
3
Average
1.0000
HEATED AREA 2,288
Size
Size
Size
0.9500
TOTAL ADJUSTMENT FACTOR
1 850
NOTES
TOTAL QUALITY INDEX
105
UNIT 2 BAS/UNIT 4 APT 07ST#26851
SUBAREA
GS
CODE'QUA
DESCRIPTION
COUNTLTHIWfH
II
UNITS
UNIT
PRICE
ORIG %
COND
BLDG#
SIZE I
FACT IAYR
EYB
ANN DEP
RATE
OVRCOND
%
OB/XF DEPR.
VALUE
TYPE
APT
AREA
1,61209
%
RPL CS
192900'
TOTAL OB/XF VALUE 0
I.POSP
67610
85176
30202
12096
WD2
56202
17766
FIREPLACE
1 - None
0
SUBAREA
TOTALS
3,232
307,944
BUILDING DIMENSIONS
IOArea:464;APT.E26N2N
APT-W26513S5E26N18Area:468;UOP—W6S5E6N5Area:30;BA5=W26526E26N26Area:676;UOP=W6S26E6N26Area:156;WD2=S18E4526E10N32W4N12W1
14N28w26544Area:1144; WD2 a E 7N14 W7S14Area:98; U0P=E7N2BW 7528Area: 196;Tote lArea: 3232
LAND INFORMATION
HIGHEST AND
,BEST USE
USE
CODE
LOCAL
ZONING
FRON
TALE
DEPTH
DEPTH
/ SIZE
LND
MOD
COND
FACT
OTHER
ADJUSTMENTS AND
NOTES
Ri= AC LC TO OT
ROAD
TYPE
'
LAND
UNIT
PRICE
TOTAL
LAND
UNITS
UNT
TYP
TOTAL
ADJST
ADJUSTED
UNIT PRICE
LAND
VALUE
OVERRIDE
VALUE
LAND
NOTES
TOTAL MARKET LAND DATA
TOTAL PRESENT USE DATA
—
Parcel N BulldingsPraperty Address
j32PG030 1 125 HIGHPOINT ST UNIT 2
HOLDEN BEACH
Aecount Owner Name
it
moo 3854DEANPROPERHALL
TIES SOUTHPOINT APT
Owner
Karen
UnR/TypeLegal Description PIN
2.0000 UNIT 20.4 PIER 35 CONDO PLAT 6/26 201619505425.000
UT ADO 1BX50
RECEIVED
AUG 1 2022
CCM WILMINGTON, NC
https://tax.brunsco.net/ITS Ne1/AppraisalCard. aspx?Page=1 &idP=10446660&id B=4833263&PageCount=1 &OBX FPaging=True&oBXFStartRow=1 &OB... 111

6/13/22, 1:17 PM Appraisal Card
BRUNSWICK COUNTY
HALL PREMIERE PROPERTIES LLC
125 HIGHPOINT ST UNIT 1 SUPPLY 28462 HOLDEN BEACH
50334570
Revel Year: 2029 Tax Year:
2021
BRUNSWICK COUNTY (100), HOLDEN BEACH {100), TRI-BEACH FIRE (165)
UNIT 163 PIER 35 CONDO PLAT 6/26 ADD 50X11B 2.0000 UT SRC=
Return/Appeal Notes: parcel: 232PG029
PLAT: /UNIQ ID 94092
ID NO: 201619505425.00a/
CARD NO. 1 of
1
Appraised by 05 on 99/97/2018 X503 HOLDEN BEACH EAST OE GATE TW-05
CONSTRUCTION DETAIL
Foundation - 4
Con Ftg/Crawl 5.00
Sub Floor System - 4
Plywd/Ptl hd 6.00
Exterior Walls - 08
Maso0ite on Sheathing 25.00
Exterior Walls - 16
Wood/Vinyl Shingle 0.00
Roofing Structure - 08
Woad Truss 4.00
Roofing Cover - 03
Composition ShIngie 4.00
Interior Wall Construction - 5
Orywal /Sheetrock 28,00
Interior Floor Cover - 14
Carpet 10,00
Heating Fuel - 04
Electric 1.0o
Heating Type - 09
Heat Pump Only 4.0D
Air CondEtioning Type - 03
Central 4.00
Commercial Heat &Air - 1
None 0,00
Structural Frame - 02
Wood Frame 5.00
C0t,i & Insulatton-06
Not Suspended - Ceiling & Walls 0.00
Insulated
Floor Number - 1
Floor 0.00
Unit Location - CPI
UNKNOWN 0,00
Unit Count - 2
Units 0.00
,ee d ra o ms/Bathrooms/Hal f-
Bathrooms
4/2/0 10.000
Bedrooms
BFS- 2 FDS - 2 LL-0
Bathrooms
GAS-1FUS-1 LL -O _
Hair 8athrooms
BAS-4FU5-0LL-0
Office
BAS -OFUS -DLL-O 0
TOTAL POINT VALUE 1105.000
BUILDING ADJUSTMENTS
Market/Design
Quality
Size
TOTAL ADJUSTMENT FACTOR 1.000
TOTAL QUALITY INDEX 106
04
Size
SUBAREA
Average
Size
TYPE
>PT
GS
AREA
676
ob
095
1.0500
1.0000
0.9500
"CODE
RPL CS
81661
3A5
676
100
85987
JOP
156
02S
4961
NO2
FIREPLACE
311BARFA
rOTALS
329
1 - None
1,837
025
10430
0
183,040
USE
06
MOD
03
MARKET VALUE
Eff.
Area
1,439
QUAL
105
BASE
RATE
127.20
RCN
183040
EYB
1972
DEPRECIATION
1 Starda4 0.47000
AYBL
1972
% GOOD
CI- FR-
13 19
153.0
TYPE: CONDOMINIUM, BEACH MFR CONSTRUCTION
STYLE. 1 - 1.0 Story
26'
10
WOO
tO'
26
26' APT 26'
26
23-
NY02
Y
26'
QUALITYIDESCRIPTIUN
TOTAL OB/XF VALUE
6
OOP
26'
26 BA5 26'
26
Click on image to enlarge
COUNT
LTII WTH
UNITS
UNIT
PRICE
BRIG %
CUPID
BLOC#
SIZE
FACT
6/13/2022 1;16:24 PI
EX- AT- LAST ACTION 2018090:
CORRELATION OF VALUE
CREDENCE TO MARKET
DEPR. BUILDING VALUE - CARD
DEER. OB/XF VALUE - CARD
MARKET LAND VALUE - CARD
TOTAL MARKET VALUE - CARD
13701{
{
237,o1(
TOTAL APPRAISED VALUE - CARD 137,010
TOTAL APPRAISED VALUE - PARCEL 137,0I0
TOTAL PRESENT USE VALUE - PARCEL 0
TOTAL VALUE DEFERRED - PARCEL 0
TOTAL TAXABLE VALUE - PARCEL $ 137,010
PERMIT
CODE I DATE i NOTE I NUMBER I AMOUNT
ROUT: WTR5HD:
SALES DATA
OFF.
RECORD
DATE
BOOK
04722
02343
00549
PAGE
0354
1271
0339
MO
10
3
11
YR
2021
2906
1983
DEED
TYPE
GW
WD
WO
Q/U
A
U
R
V/I
INDICATE
SALES
PRICE
822000
0
HEATED AREA 1,352
NOTES
UNIT 1 BAS/UNIT 3 AFT
AYE
EYB
ANN DEP
RATE OVR
COND
OB/XF DEER.
VALUE
3UILDING DIMENSIONS BAS=W26526E26N26Area:676;UOP=W6526E6N26Area:156;WD2=N23W3523E3Area:69;APT=N26W26526E26Area,676;WD2=W10526E1ON26Area:260;
TotalArea:1837
AND INFORMATION
IIGHEST AND
SEST USE
'OTAL MARKET LAND DATA
'OTAL PRESENT USE DATA
USE
CODE
LOCAL
ZONING,
FRON
TALE
DEPTH
DEPTH
/ SIZE
LND
MOD
COND
FACT
OTHER
ADJUSTMENTS AND
NOTES
RF AC LC TO OT_
ROAD
TYPE
LAND
UNIT
PRICE
TOTAL
LAND
UNITS
UNT
TYP
TOTAL
ADJST,
ADJUSTED
UNIT PRICE
LAND
VALUE
OVERRIDE
VALUE
LAND
NOTES
Parcel di BulklingsPreperty Address
2J2PG024 1 125 HIGHPOINT ST UNIT 1 HOLDEN
BEACH
Aecount Owner Name Owner
Name UnIt/TYPeLegel Descrlptron PIN
5034570 HALL PREMIERE PROPERTIES Loco, UT UNIT 1&3 PIER 35 CONDO PLAT 6/26 ADD
LLC505116 201619505425.0001
RECEIVED
AUG 12022
DCM WILMINIGTON, NC
https://fax.brunsco.netIITSNet/AppraisalCard.aspx?Page=1&idP=10446661&idB=4833264&PageCount=l&08XFPaging=True&OBXFStartRow=1&OB... 1/1

DEED OF TRUST
This Instrument Prepared By:
United Wholesale Mortgage, LLC
585 South Boulevard E
Pontiac, MI 48341
[phone]
After Recording Return To:
UNITED WHOLESALE MORTGAGE, LLC
585 SOUTH BOULEVARD E
PONTIAC, MI 48341
ATTN: POST CLOSING MANAGER
Loan Number: 1221982680
MIN: 100032412219826804 MERS Phone: [phone]
DEFINITIONS
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 OCTOBER 8, 2021 , together
with all Riders to this document.
(B) "Borrower" is Michael Scudder, A Single Man, and Marc John Scudder and Tina LaRose
Scudder, Husband and Wife, As Tenancy by the Entirety
Borrower is the trustor under this Security Instrument.
(C) "Lender" is United Wholesale Mortgage, LLC
Lender is a LIMITED LIABILITY COMPANY organize•
d
and existing under the laws of MICHIGAN
Lender's address is 585 South Boulevard E, Pontiac, Michigan 48341
(C-1) The name of the Mortgage Broker is Dolfin Home Loans LLC
NORTH CAROLINA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS
Farm 3034 1101 Page 1 of 14
20ZI iiialg:3kolciii 9a2f58ET-E6
AUGI2022
DCM WILMINGTON, NC

(D) "Trustee" is THE CAUDLE LAW FIRM, P.A.
5950 FAIRVIEW RD., SUITE 619, CHARLOTTE, NORTH CAROLINA 28210
(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. NIERS 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.Q. Box 2026, Flint, MI 48501-2026, tel, (888) 679-MERS.
(F) "Note" means the promissory note signed by Borrower and dated OCTOBER 8, 2021
The Note states that Borrower owes Lender FIVE HUNDRED FORTY-EIGHT THOUSAND AND 00/100
Dollars (U.S. $548,000.00 ) plus interest.
Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than
NOVEMBER 1, 2051
(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.
(I) "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]:
❑ Adjustable Rate Rider
❑ Balloon Rider
® 1-4 Family Rider
❑ Condominium Rider
❑ Planned Unit Development Rider
❑ Biweekly Payment Rider
❑ Second Home Rider
❑ Other(s) [specify]
(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.
(Q) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et 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,
NORTH CAROLINA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS
Form 3034 1/01 Page 2 of 14
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20211008073220-1221982680-ED
AUG 2022

"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 (ii) 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 of BRUNSWICK
[Type of Recording Jurisdiction] [Name of Recording Jurisdiction]
See Attached
A.P.N.: Parcel 232PG030
which currently has the address of
Holden Beach
[City]
125 Highpoint St.
[Street]
, North Carolina 28462 ("Property Address"):
[Zip Cade]
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 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
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 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.
NORTH CAROLINA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS
Form 3034 1/01 Page 3 of 14
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AUG .12022
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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 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 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 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 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; (h) 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." 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 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
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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, 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 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.
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 in 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 shall he 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, 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.
NORTH CAROLINA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS
Form 3034 1/01 Page 5 of 14
Dae elVLD
2021 I008073220-1221y82690-FD
AUG
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0CM WILMINGTON, NC

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 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-
time 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, 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 Property, such
policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss
payee,
hi 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 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.
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
NORTH CAROLINA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS
Form 3034 1/01 Page 6 of 14
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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 date 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
deteriorating 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, or the 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 hi 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
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, 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. 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.
Borrowershall 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 Leader agrees to the merger
in writing.
NORTH CAROLINA _ Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS
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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 Borrower any interest or earnings on such loss reserve, if permitted under
Applicable 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
ob ained, 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 lass
reserve, until 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 Applicable Law, Nothing
in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note.
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 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
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 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 taw. 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
NORTH CAROLINA - Single Family - Fannie MaefFreddie Mac UNIFORM INSTRUMENT - MERS
Form 3034 1/DI Page 8 of 14
DociiigersaiED
202110080732264/21381660-ED
AUG 1.2022
DCM WILMINGTON, NC

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 he 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 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 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 he 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, 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.
13. Joint and Several Liability; Co-signers; 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 Security
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
NORTH CAROLINA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS
Form 3034 1/01 Page 8 of 14
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AUG 1 2022
DCM W(LmiNGrON NC

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 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, 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 Iaw which sets maximum loan charges, and that Iaw 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. All 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
mans. 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) 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
NORTH CAROLINA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS
Form 3034 1/01 Page 10 of 14
DocGfagic n
20211 22D-17.21950-ED
RECEIVED
AUG I2022
DCM WILMINGTON, NC

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 I5 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 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 (e) 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' 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 Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security
Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged.
Lender may require that Borrower pay such reinstatement slims 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
secured 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 connection 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 arenot 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 orLender 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.
NORTH CAROUNA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS
Form 3034 1/01 Page 11 of 14
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20211003073220-12214826e0-5D
AUG r'
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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 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 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 hi 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 Applicable
Law 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 Property
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
NORTH CAROLINA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS
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AUG 12022
CCM WILMINGTON, NC

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 5.000 % of the gross sale price;
(b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled
to 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 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.
Without 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. 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.
(Seal) (Seal)
Michael Scudder -Borrower Marc John Scudder -Borrower
(Seal)
Tina LaRose Scudder -Borrower
NORTH CAROLINA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS
Form 3034 1l01 Pane 13 of 14
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NORTH CAROUNA
[Space Below This Line For Acknowledgment]
BRUNSWICK County.
1, , do hereby certify that
(name of notarizing official and his official title)
Michael Scudder AND Marc John Scudder AND Tina LaRose Scudder
(here give the name of the individual whose acknowledgment is being taken)
personally appeared before me this day and acknowledged the due execution of the foregoing instrument
(or attached document )
(description of document)
Witness my hand and (where an official seal is required by law) official seal this the
day of (month/year).
(Official Seal)
(Official Signature of Notary)
(Notary's printed or typed name)
, Notary Public
My commission expires.
LLoan opn inator: Daniej James pL ie, NMLSR ID 7 070 LS{{�� IID 185498gg
oan Qri jnator Organization: h1NI ED Home OLESASL MOR GAGE, LLC, NMLSR ID 3038
oan Ori lnatar Organization:
NORTH CAROLINA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS
Form 3034 1/01
Page 14 of 14
UocMagfc eRierbiais
20511oo8073220-72219112690-En
RECEIVED
AUG 12022
13CM WILMINGTON, NC

ROY COOPER
Governor
ELIZABETH S. BISER
Secretary
BRAXTON DAVIS
Director
August 31, 2022
MEMORANDUM:
NORTH CAROLINA
Environmental Quality
FROM: Cameron Luck, Assistant Major Permits Coordinator
NCDEQ - Division of Coastal Management
400 Commerce Avenue, Morehead City, NC 28557
Fax: [phone] (Courier 11-12-09)
[e-mail]
SUBJECT: CA MA
Applicant: Marc, Michael and Tina Scudder
Project Location: 125 High Point Street, canal adj. to AIWW in Holden Beach, Brunswick County.
Proposed Project: The applicant proposes to expand an existing docking facility with the
construction of a new boat lift, increasing from two (2) to three (3) proposed slips.
Please indicate below your agency's position or viewpoint on the proposed project and
return this form to Cameron Luck at the address above by September 25, 2022. If you have any
questions regarding the proposed project, contact Patrick Amico at [phone] when appropriate, in-
depth comments with supporting data is requested.
REPLY:
PRINT NAME
AGENCY
SIGNATURE
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.
£ D_E
NORTH CAROLINA
Department of Environmental Dual
DATE
North Carolina Department of Environmental Quality I Division of Coastal Management
Wilmington Office 1127 Cardinal Drive Extension I Wilmington, North Carolina 28405
910.796.7215

Project Name:
Major Permit Fee Schedule
5c(kc
Development Type
I. Private, non-commercial development
that does not involve the filling or
excavation of any wetlands or
open water areas:
il. Public or commercial development that
does not involve the filling or excavation
of any wetlands or open water areas:
Ill. 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
Certification No. 4175 can be applied:
Itl(B). Public or commercial development,
if General Water Quality Certification
No 4175 can be applied:
iil(C). If General Water Quality
Certification No. 4175 could be applied,
but DCM staff determined that additional
review and written DWQ concurrence is
needed because of concerns related to
water quality or aquatic life:
Fee
$250
$400
$400
$400
County:
DCM %
(14300160143510009316256253)
100% ($250)
100% ($400)
100% ($250)
100% ($400)
60% ($240)
coo
Check NAmount:
DWQ%
(2430016024351000952341)
0% ($0)
0% ($0)
0% ($0)
0% ($0)
40% ($160)
Ill(D) If General Water Quality
Certification No. 4175 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)