Title Insurance 3 t Fidelity National Title'
Insurance Company
Policy No.: 39724-1-2017-402-2020.8230609-219038019
OWNER'S POLICY OF TITLE INSURANCE
Issued by
FIDELITY NATIONAL TITLE INSURANCE COMPANY
Any notice of claim and any other notice or statement in writing required to be given to the Company under this Policy must be given to the Company at
the address shown in Section 18 of the Conditions.
COVERED RISKS
SUBJECT TO THE EXCLUSIONS FROM COVERAGE, THE EXCEPTIONS FROM COVERAGE CONTAINED IN SCHEDULE B, AND THE
CONDITIONS,FIDELITY NATIONAL TITLE INSURANCE COMPANY,a Florida corporation,(the"Company")insures as of Date of Policy,against loss or
damage,not exceeding the Amount of Insurance,sustained or incurred by the Insured by reason of:
1. Title being vested other than as stated in Schedule A.
2. Any defect in or lien or encumbrance on the Title.This Covered Risk includes but is not limited to insurance against loss from
(a) A defect in the Title caused by
(i) forgery,fraud,undue influence,duress,incompetency,incapacity,or impersonation;
(ii) failure of any person or Entity to have authorized a transfer or conveyance;
(iii) a document affecting Title not properly created,executed,witnessed,sealed,acknowledged,notarized,or delivered;
(iv) failure to perform those acts necessary to create a document by electronic means authorized by law;
(v) a document executed under a falsified,expired,or otherwise invalid power of attorney;
(vi) a document not properly filed, recorded, or indexed in the Public Records including failure to perform those acts by electronic means
authorized by law;or
(vii) a defective judicial or administrative proceeding.
(b) The lien of real estate taxes or assessments imposed on the Title by a governmental authority due or payable,but unpaid.
(c) Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and
complete land survey of the Land.The term"encroachment"includes encroachments of existing improvements located on the Land onto adjoining
land,and encroachments onto the Land of existing improvements located on adjoining land.
3. Unmarketable Title.
4. No right of access to and from the Land.
5. The violation or enforcement of any law, ordinance, permit, or governmental regulation(including those relating to building and zoning)restricting,
regulating,prohibiting,or relating to
(a) the occupancy,use,or enjoyment of the Land;
(b) the character,dimensions,or location of any improvement erected on the Land;
(c) the subdivision of land;or
(d) environmental protection
if a notice,describing any part of the Land,is recorded in the Public Records setting forth the violation or intention to enforce,but only to the extent of
the violation or enforcement referred to in that notice.
6. An enforcement action based on the exercise of a governmental police power not covered by Covered Risk 5 if a notice of the enforcement action,
describing any part of the Land,is recorded in the Public Records,but only to the extent of the enforcement referred to in that notice.
7. The exercise of the rights of eminent domain if a notice of the exercise,describing any part of the Land,is recorded in the Public Records.
8. Any taking by a governmental body that has occurred and is binding on the rights of a purchaser for value without Knowledge.
9. Title being vested other than as stated Schedule A or being defective
(a) as a result of the avoidance in whole or in part,or from a court order providing an alternative remedy,of a transfer of all or any part of the title to
or any interest in the Land occurring prior to the transaction vesting Title as shown in Schedule A because that prior transfer constituted a
fraudulent or preferential transfer under federal bankruptcy,state insolvency,or similar creditors'rights laws;or
(b) because the instrument of transfer vesting Title as shown in Schedule A constitutes a preferential transfer under federal bankruptcy, state
insolvency,or similar creditors'rights laws by reason of the failure of its recording in the Public Records
(i) to be timely,or
(ii) to impart notice of its existence to a purchaser for value or to a judgment or lien creditor.
10. Any defect in or lien or encumbrance on the Title or other matter included in Covered Risks 1 through 9 that has been created or attached or has been
filed or recorded in the Public Records subsequent to Date of Policy and prior to the recording of the deed or other instrument of transfer in the Public
Records that vests Title as shown in Schedule A.
The Company will also pay the costs,attorneys'fees,and expenses incurred in defense of any matter insured against by this Policy,but only to the extent provided
in the Conditions.
IN WITNESS WHEREOF,FIDELITY NATIONAL TITLE INSURANCE COMPANY has caused this policy to be signed and sealed by its duly authorized
officers.
FIDELITY NATIONAL TITLE INSURANCE COMPANY
8230609 ALTA Owners Policy 06/17/06 w-FL Mod_306
Copyright 2006-2016 American Land Title Association.All rights reserved.The use of this Form(or any derivative thereof)is restricted to �•
ALTA licensees and ALTA members in good standing as of the date of use.All other uses are prohibited.Reprinted under license from the
American Land Title Association.
Page 1 of 6
Countelsign
_./21...
4 6-- zi.----"b b
Authorized Officer or Agen `,P,,0,%uli-ri E I,,,, By.
Richard J.Fielder .;.....................2
True Title Agency Inc $°,Gp�P�Rg1. :0..
9 Ships Way _,,: ESE
Big Pine Key,FL 33043 t;• SEAL i� President
Te1:305-872-4005 . `•.
Fax:305-872-4041 ',/,, un•mii.......
Attest: t u1( --a`t0'.f .l'I'41-4'---
Secretary
8230609 ALTA Owners Policy 06/17/06 w-FL Mod_306 ili
Copyright 2006-2016 American Land Title Association.All rights reserved.The use of this Form(or any derivative thereof)is restricted to """
ALTA licensees and ALTA members in good standing as of the date of use.All other uses are prohibited.Reprinted under license from the
American Land Title Association.
Page 2 of 6
EXCLUSIONS FROM COVERAGE
The following matters are expressly excluded from the coverage of this policy,and the Company will not pay loss or damage,costs,attorneys' fees,or expenses
that arise by reason of:
1. (a) Any law,ordinance,permit,or governmental regulation(including those relating to building and zoning)restricting,regulating,prohibiting,or relating
to
(i) the occupancy,use,or enjoyment of the Land;
(ii) the character,dimensions or location of any improvement erected on the Land;
(iii) the subdivision of land;or
(iv) environmental protection;
or the effect of any violation of these laws,ordinances,or governmental regulations.This Exclusion 1(a)does not modify or limit the coverage provided
under Covered Risk 5.
(b) Any governmental police power.This Exclusion 1(b)does not modify or limit the coverage provided under Covered Risk 6.
2. Rights of eminent domain.This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8.
3. Defects,liens,encumbrances,adverse claims,or other matters:
(a) created,suffered,assumed,or agreed to by the Insured Claimant;
(b) not Known to the Company,not recorded in the Public Records at Date of Policy,but Known to the Insured Claimant and not disclosed in writing to the
Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy;
(c) resulting in no loss or damage to the Insured Claimant;
(d) attaching or created subsequent to Date of Policy;or
(e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Title.
4. Any claim,by reason of the operation of federal bankruptcy,state insolvency,or similar creditors'rights laws,that the transaction vesting the Title as shown
in Schedule A,is
(a) a fraudulent conveyance or fraudulent transfer;or
(b) a preferential transfer for any reason not stated in Covered Risk 9 of this policy.
5. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching between Date of Policy and the date of
recording of the deed or other instrument of transfer in the Public Records that vests Title as shown in Schedule A.
8230609 ALTA Owners Policy 06/17/06 w-FL Mod_306
Copyright 2006-2016 American Land Title Association.All rights reserved.The use of this Form(or any derivative thereof)is restricted to "'
ALTA licensees and ALTA members in good standing as of the date of use.All other uses are prohibited.Reprinted under license from the
American Land Title Association.
Page 3 of 6
CONDITIONS
1. DEFINITION OF TERMS either (i) an estate or interest in the Land, or (ii) an obligation secured by a
The following terms when used in this policy mean: purchase money Mortgage given to the Insured.
(a) "Amount of Insurance": The amount stated in Schedule A, as may be 3. NOTICE OF CLAIM TO BE GIVEN BY INSURED CLAIMANT
increased or decreased by endorsement to this policy,increased by Section 8(b), The Insured shall notify the Company promptly in writing(i)in case of any
or decreased by Sections 10 and 11 of these Conditions. litigation as set forth in Section 5(a)of these Conditions,(ii)in case Knowledge
(b) "Date of Policy": The date designated as 'Date of Policy" in Schedule shall come to an Insured hereunder of any claim of title or interest that is
A. adverse to the Title,as insured,and that might cause loss or damage for which
(c) "Entity": A corporation,partnership,trust,limited liability company,or the Company may be liable by virtue of this policy, or (ill) if the Title, as
other similar legal entity. insured,is rejected as Unmarketable Title.If the Company is prejudiced by the
(d) "Insured":The Insured named in Schedule A. failure of the Insured Claimant to provide prompt notice, the Company's
(i) The term"Insured"also includes liability to the Insured Claimant under the policy shall be reduced to the extent
(A)successors to the Title of the Insured by operation of law as of the prejudice.
distinguished from purchase, including heirs, devisees, survivors, personal 4. PROOF OF LOSS
representatives,or next of kin; In the event the Company is unable to determine the amount of loss or
(B)successors to an Insured by dissolution, merger, consolidation, damage,the Company may,at its option,require as a condition of payment that
distribution,or reorganization; the Insured Claimant furnish a signed proof of loss. The proof of loss must
(C)successors to an Insured by its conversion to another kind of describe the defect, lien, encumbrance, or other matter insured against by this
Entity; policy that constitutes the basis of loss or damage and shall state,to the extent
possible,the basis of calculating the amount of the loss or damage.
(D)a grantee of an Insured under a deed delivered without payment 5. DEFENSE AND PROSECUTION OF ACTIONS
of actual valuable consideration conveying the Title
(1) if the stock, shares, memberships, or other equity interests (a) Upon written request by the Insured, and subject to the options
of the grantee are wholly-owned by the named Insured, contained in Section 7 of these Conditions, the Company, at its own cost and
without unreasonable delay, shall provide for the defense of an Insured in
(2) if the grantee wholly owns the named Insured, litigation in which any third party asserts a claim covered by this policy adverse
(3) if the grantee is wholly-owned by an affiliated Entity of the to the Insured. This obligation is limited to only those stated causes of action
named Insured, provided the affiliated Entity and the named Insured are both alleging matters insured against by this policy. The Company shall have the
wholly-owned by the same person or Entity,or right to select counsel of its choice(subject to the right of the Insured to object
(4) if the grantee is a trustee or beneficiary of a trust created by for reasonable cause)to represent the Insured as to those stated causes of action.
a written instrument established by the Insured named in Schedule A for estate It shall not be liable for and will not pay the fees of any other counsel. The
planning purposes. Company will not pay any fees, costs, or expenses incurred by the Insured in
(ii)With regard to(A), (B), (C),and(D)reserving,however,all rights the defense of those causes of action that allege matters not insured against by
and defenses as to any successor that the Company would have had against any this policy.
predecessor Insured. (b) The Company shall have the right,in addition to the options contained
(e) "Insured Claimant":An Insured claiming loss or damage. in Section 7 of these Conditions, at its own cost, to institute and prosecute any
(f) "Knowledge" or "Known": Actual knowledge, not constructive action or proceeding or to do any other act that in its opinion may be necessary
knowledge or notice that may be imputed to an Insured by reason of the Public or desirable to establish the Title, as insured, or to prevent or reduce loss or
Records or any other records that impart constructive notice of matters affecting damage to the Insured.The Company may take any appropriate action under the
the Title. terms of this policy,whether or not it shall be liable to the Insured.The exercise
(g) "Land": The land described in Schedule A, and affixed improvements of these rights shall not be an admission of liability or waiver of any provision
that by law constitute real property. The term "Land" does not include any of this policy.If the Company exercises its rights under this subsection,it must
property beyond the lines of the area described in Schedule A, nor any right, do so diligently.
title, interest, estate, or easement in abutting streets, roads, avenues, alleys, (c) Whenever the Company brings an action or asserts a defense as
lanes, ways or waterways, but this does not modify or limit the extent that a required or permitted by this policy,the Company may pursue the litigation to a
right of access to and from the Land is insured by this policy. final determination by a court of competent jurisdiction, and it expressly
(h) "Mortgage": Mortgage, deed of trust, trust deed, or other security reserves the right, in its sole discretion, to appeal any adverse judgment or
instrument,including one evidenced by electronic means authorized by law. order.
(i) "Public Records": Records established under state statutes at Date of 6. DUTY OF INSURED CLAIMANT TO COOPERATE
Policy for the purpose of imparting constructive notice of matters relating to (a) In all cases where this policy permits or requires the Company to
real property to purchasers for value and without Knowledge. With respect to prosecute or provide for the defense of any action or proceeding and any
Covered Risk 5(d), "Public Records" shall also include environmental appeals, the Insured shall secure to the Company the right to so prosecute or
protection liens filed in the records of the clerk of the United States District provide defense in the action or proceeding, including the right to use, at its
Court for the district where the Land is located. option, the name of the Insured for this purpose. Whenever requested by the
(j) "Title":The estate or interest described in Schedule A. Company, the Insured, at the Company's expense, shall give the Company all
(k) "Unmarketable Title": Title affected by an alleged or apparent matter reasonable aid (i) in securing evidence, obtaining witnesses, prosecuting or
that would permit a prospective purchaser or lessee of the Title or lender on the defending the action or proceeding,or effecting settlement,and(ii)in any other
Title to be released from the obligation to purchase,lease, or lend if there is a lawful act that in the opinion of the Company may be necessary or desirable to
contractual condition requiring the delivery of marketable title. establish the Title,or any other matter as insured.If the Company is prejudiced
2. CONTINUATION OF INSURANCE by the failure of the Insured to furnish the required cooperation,the Company's
The coverage of this policy shall continue in force as of Date of Policy in obligations to the Insured under the policy shall terminate, including any
favor of an Insured,but only so long as the Insured retains an estate or interest liability or obligation to defend, prosecute, or continue any litigation, with
in the Land, or holds an obligation secured by a purchase money Mortgage regard to the matter or matters requiring such cooperation.
given by a purchaser from the Insured,or only so long as the Insured shall have (b) The Company may reasonably require the Insured Claimant to submit to
liability by reason of warranties in any transfer or conveyance of the Title.This examination under oath by any authorized representative of the Company and to
policy shall not continue in force in favor of any purchaser from the Insured of produce for examination,inspection,and copying,at such reasonable times and
8230609 ALTA Owners Policy 06/17/06 w-FL Mod_306
Copyright 2006-2016 American Land Title Association.All rights reserved.The use of this Form(or any derivative thereof)is restricted to ••"^
ALTA licensees and ALTA members in good standing as of the date of use.All other uses are prohibited.Reprinted under license from the
American Land Title Association.
Page 4 of 6
places as may be designated by the authorized representative of the Company, cures the claim of Unmarketable Title, all as insured, in a reasonably diligent
all records, in whatever medium maintained, including books,ledgers, checks, manner by any method,including litigation and the completion of any appeals,
memoranda,correspondence,reports, e-mails, disks,tapes, and videos whether it shall have fully performed its obligations with respect to that matter and shall
bearing a date before or after Date of Policy,that reasonably pertain to the loss not be liable for any loss or damage caused to the Insured.
or damage. Further, if requested by any authorized representative of the (b) In the event of any litigation, including litigation by the Company or
Company, the Insured Claimant shall grant its permission, in writing, for any with the Company's consent, the Company shall have no liability for loss or
authorized representative of the Company to examine, inspect, and copy all of damage until there has been a final determination by a court of competent
these records in the custody or control of a third party that reasonably pertain to jurisdiction,and disposition of all appeals,adverse to the Title,as insured.
the loss or damage. All information designated as confidential by the Insured (c) The Company shall not be liable for loss or damage to the Insured for
Claimant provided to the Company pursuant to this Section shall not be liability voluntarily assumed by the Insured in settling any claim or suit without
disclosed to others unless, in the reasonable judgment of the Company, it is the prior written consent of the Company.
necessary in the administration of the claim.Failure of the Insured Claimant to 10. REDUCTION OF INSURANCE; REDUCTION OR
submit for examination under oath, produce any reasonably requested TERMINATION OF LIABILITY
information, or grant permission to secure reasonably necessary information All payments under this policy,except payments made for costs,attorneys'
from third parties as required in this subsection, unless prohibited by law or fees,and expenses,shall reduce the Amount of Insurance by the amount of the
governmental regulation,shall terminate any liability of the Company under this payment.
policy as to that claim. 11. LIABILITY NONCUMULATIVE
7. OPTIONS TO PAY OR OTHERWISE SETTLE CLAIMS; The Amount of Insurance shall be reduced by any amount the Company
TERMINATION OF LIABILITY under anypolicyinsuringa Mortgage to which exception is taken in
In case of a claim under this policy,the Company shall have the following pays p
Schedule B or to which the Insured has agreed, assumed, or taken subject, or
additional options: which is executed by an Insured after Date of Policy and which is a charge or
(a) To Pay or Tender Payment of the Amount of Insurance. lien on the Tide, and the amount so paid shall be deemed a payment to the
To pay or tender payment of the Amount of Insurance under this policy Insured under this policy.
together with any costs, attorneys' fees, and expenses incurred by the Insured 12. PAYMENT OF LOSS
Claimant that were authorized by the Company up to the time of payment or When liability and the extent of loss or damage have been definitely fixed
tender of payment and that the Company is obligated to pay. in accordance with these Conditions,the payment shall be made within 30 days.
Upon the exercise by the Company of this option,all liability and obligations 13. RIGHTS OF RECOVERY UPON PAYMENT OR SETTLEMENT
of the Company to the Insured under this policy, other than to make the (a) Whenever the Company shall have settled and paid a claim under this
payment required in this subsection, shall terminate,including any liability or policy, it shall be subrogated and entitled to the rights of the Insured Claimant
obligation to defend,prosecute,or continue any litigation. in the Title and all other rights and remedies in respect to the claim that the
(b) To Pay or Otherwise Settle With Parties Other Than the Insured or Insured Claimant has against any person or property,to the extent of the amount
With the Insured Claimant. of any loss, costs, attorneys' fees, and expenses paid by the Company. If
(i) To pay or otherwise settle with other parties for or in the name of an requested by the Company, the Insured Claimant shall execute documents to
Insured Claimant any claim insured against under this policy. In addition, the evidence the transfer to the Company of these rights and remedies.The Insured
Company will pay any costs, attorneys' fees, and expenses incurred by the Claimant shall permit the Company to sue,compromise,or settle in the name of
Insured Claimant that were authorized by the Company up to the time of the Insured Claimant and to use the name of the Insured Claimant in any
payment and that the Company is obligated to pay;or transaction or litigation involving these rights and remedies.
(ii)To pay or otherwise settle with the Insured Claimant the loss or If a payment on account of a claim does not fully cover the loss of the
damage provided for under this policy,together with any costs,attorneys' fees, Insured Claimant, the Company shall defer the exercise of its right to recover
and expenses incurred by the Insured Claimant that were authorized by the until after the Insured Claimant shall have recovered its loss.
Company up to the time of payment and that the Company is obligated to pay. (b) The Company's right of subrogation includes the rights of the Insured
Upon the exercise by the Company of either of the options provided for in to indemnities, guaranties, other policies of insurance, or bonds,
subsections (b)(i) or (ii), the Company's obligations to the Insured under this notwithstanding any terms or conditions contained in those instruments that
policy for the claimed loss or damage, other than the payments required to be address subrogation rights.
made,shall terminate,including any liability or obligation to defend,prosecute, 14. ARBITRATION
or continue any litigation. Unless prohibited by applicable law, arbitration pursuant to the Title
8. DETERMINATION AND EXTENT OF LIABILITY Insurance Arbitration Rules of the American Arbitration Association may be
This policy is a contract of indemnity against actual monetary loss or demanded if agreed to by both the Company and the Insured at the time of a
damage sustained or incurred by the Insured Claimant who has suffered loss or controversy or claim.Arbitrable matters may include,but are not limited to,any
damage by reason of matters insured against by this policy. controversy or claim between the Company and the Insured arising out of or
(a) The extent of liability of the Company for loss or damage under this relating to this policy, and service of the Company in connection with its
policy shall not exceed the lesser of issuance or the breach of a policy provision or other obligation. Arbitration
(i) the Amount of Insurance;or pursuant to this policy and under the Rules in effect on the date the demand for
(ii) the difference between the value of the Tide as insured and the arbitration is made or,at the option of the Insured,the Rules in effect at Date of
value of the Tide subject to the risk insured against by this policy. Policy shall be binding upon the parties.The award may include attorneys' fees
(b) If the Company pursues its rights under Section 5 of these Conditions only if the laws of the state in which the Land is located permit a court to award
and is unsuccessful in establishing the Title,as insured, attorneys' fees to a prevailing party.Judgment upon the award rendered by the
(i) the Amount of Insurance shall be increased by 10%,and Arbitrator(s)may be entered in any court having jurisdiction thereof.
(li)the Insured Claimant shall have the right to have the loss or damage The law of the situs of the land shall apply to an arbitration under the Title
determined either as of the date the claim was made by the Insured Claimant or Insurance Arbitration Rules.A copy of the Rules may be obtained from the
as of the date it is settled and paid. Company upon request.
(c) In addition to the extent of liability under(a)and(b),the Company will 15. LIABILITY LIMITED TO THIS POLICY; POLICY ENTIRE
also pay those costs, attorneys' fees,and expenses incurred in accordance with CONTRACT
Sections 5 and 7 of these Conditions. (a) This policy together with all endorsements,if any,attached to it by the
9. LIMITATION OF LIABILITY Company is the entire policy and contract between the Insured and the
(a) If the Company establishes the Title,or removes the alleged defect,lien Company. In interpreting any provision of this policy, this policy shall be
or encumbrance, or cures the lack of a right of access to or from the Land, or construed as a whole.
8230609 ALTA Owners Policy 06/17/06 w-FL Mod_306
Copyright 2006-2016 American Land Title Association.All rights reserved.The use of this Form(or any derivative thereof)is restricted to "°„
ALTA licensees and ALTA members in good standing as of the date of use.All other uses are prohibited.Reprinted under license from the
American Land Tide Association.
Page 5 of 6
(b) Any claim of loss or damage that arises out of the status of the Title or charged therefor in reliance upon the law affecting interests in real property and
by any action asserting such claim shall be restricted to this policy. applicable to the interpretation, rights,remedies, or enforcement of policies of
(c) Any amendment of or endorsement to this policy must be in writing and title insurance of the jurisdiction where the Land is located.
authenticated by an authorized person,or expressly incorporated by Schedule A Therefore, the court or an arbitrator shall apply the law of the jurisdiction
of this policy. where the Land is located to determine the validity of claims against the Title
(d) Each endorsement to this policy issued at any time is made a part of this that are adverse to the Insured and to interpret and enforce the terms of this
policy and is subject to all of its terms and provisions. Except as the policy. In neither case shall the court or arbitrator apply its conflicts of law
endorsement expressly states, it does not (i) modify any of the terms and principles to determine the applicable law.
provisions of the policy,(ii)modify any prior endorsement,(iii)extend the Date (b) Choice of Forum: Any litigation or other proceeding brought by the
of Policy,or(iv)increase the Amount of Insurance. Insured against the Company must be filed only in a state or federal court
16. SEVERABILITY within the United States of America or its territories having appropriate
In the event any provision of this policy,in whole or in part,is held invalid jurisdiction.
or unenforceable under applicable law, the policy shall be deemed not to 18. NOTICES,WHERE SENT
include that provision or such part held to be invalid,but all other provisions Any notice of claim and any other notice or statement in writing required to
shall remain in full force and effect. be given to the Company under this policy must be given to the Company at
17. CHOICE OF LAW;FORUM FIDELITY NATIONAL TITLE INSURANCE COMPANY, Attn: Claims
(a) Choice of Law: The Insured acknowledges the Company has Department, P.O. Box 45023, Jacksonville, FL 32232-5023.
underwritten the risks covered by this policy and determined the premium
8230609 ALTA Owners Policy 06/17/06 w-FL Mod_306
Copyright 2006-2016 American Land Title Association.All rights reserved.The use of this Form(or any derivative thereof)is restricted to ^;"^
ALTA licensees and ALTA members in good standing as of the date of use.All other uses are prohibited.Reprinted under license from the
American Land Title Association.
Page 6 of 6
Fidelity National Title
�lele Insurance Company
TM
ALTA OWNER'S POLICY OF TITLE INSURANCE
SCHEDULE A
Name and Address of Title Insurance Company: Fidelity National Title Insurance Company
P.O. Box 45023, 39724.1.82.09
Jacksonville, FL 32232-5023
File No.: 2017-402 Policy No.: 8230609-219038019
Address Reference: Block 6, Lot 1, Tropical Bay 3rd Addition, Big Pine Key, FL 33043
(For information only)
Amount of Insurance: $45,000.00
Premium: $258.75
Date of Policy: February 11, 2020 at 01:56 PM
1. Name of Insured:
Monroe County, a political subdivision of the State of Florida
2. The estate or interest in the Land that is insured by this policy is:
Fee Simple as shown by instrument recorded as Document No. 2255649 in Official Records Book 3008,
Page 674, of the Public Records of Monroe County, Florida.
3. Title is vested in:
Monroe County, a political subdivision of the State of Florida
4. The Land referred to in this policy is described as follows:
Lot 1, Block 6, TROPICAL BAY THIRD ADDITION, according to the Plat thereof recorded in Plat
Book 5, Page 81, in the Public Records of Monroe County, Florida.
THIS POLICY VALID ONLY IF SCHEDULE B IS ATTACHED
THE TELEPHONE NUMBER TO PRESENT INQUIRIES OR OBTAIN INFORMATION ABOUT
COVERAGE AND TO PROVIDE ASSISTANCE IS 1-800-669-7450
ALTA Owner's Policy(6/17/06)
2730609 (With Florida Modifications)
Copyright American Land Title Association.All rights reserved. AMERICAN
LAND TITLE
The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use.All other ASSOCIATION
uses are prohibited.Reprinted under license from the American Land Title Association. TM
2017-402
Ci,� Fidelity National Title
e Insurance Company
TM
SCHEDULE B
File No.: 2017-402 Policy No.: 8230609-219038019
EXCEPTIONS FROM COVERAGE
This policy does not insure against loss or damage, and the Company will not pay costs, attorneys' fees, or
expenses that arise by reason of:
A. Any lien provided by County Ordinance or by Chapter 159, Florida Statutes, in favor of any city, town,
village or port authority, for unpaid service charges for services by any water systems, sewer systems or
gas systems serving the land described herein; and any lien for waste fees in favor of any county or
municipality. See www.leg.state.fl.us/Statutes/Index.cfm or contact True Title Agency, Inc.for a copy of
Chapter 159.
B. Any adverse ownership claim by the State of Florida by right of sovereignty to any portion of the Land
insured hereunder, including submerged, filled and artificially exposed lands, and lands accreted to such
lands.
C. Taxes and assessments for the year 2020 and subsequent years,which are not yet due and payble.
D. State Law under Chapter 76-190, now codified under Chapter 380, Florida Statutes; Chapter 27F-8 and
Rule 28-29.001 et seq., of the Florida Administrative Code for Land Planning for the Florida Keys Area of
Critical State Concern, as originally recorded at Official Records Book 668, Page 43.
E. Subject to County Ordinance No. 10-1977 for the collection of waste in the County of Monroe, State of
Florida, and amendment thereof, County Ordinance No. 13-1978.
F. House Bill No. 634, Chapter 70-231, an Act relating to the bureau of beaches, shores and coastal
construction; amending Chapter 161, Florida Statutes, by addition Section 161.052; providing a setback
line for coastal construction and excavation; providing for the granting of variances by the Department of
Natural Resources; providing penalties; and providing an effective date.
G. The Provisions of Florida Statutes Section 380.0552, "The Florida Keys Area Protection Act,"establishing
a land use management system that protects and conserves the natural environment and community
character of the Florida Keys.
H. Restrictions, conditions, reservations, easements, and other matters contained on the Plat of Tropical Bay
3rd Addition, as recorded in Plat Book 5, Page 81, of the Public Records of Monroe County, Florida.
ALTA Owner's Policy(6/17/06)
2730609 (With Florida Modifications)
Copyright American Land Title Association.All rights reserved. AMERICAN
LAND TITLE
The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use.All other ASSOCIATION
uses are prohibited.Reprinted under license from the American Land Title Association. ,.
2017-402
SCHEDULE B
(Continued)
Any land use restrictions which may have been or will be imposed by any governmental body including,
without limitation, Monroe County, Florida, the State of Florida, or the Corps of Engineers of the United
States of America.
J. The effect of county zoning ordinances and the results of the exercise of governmental police powers of
the County of Monroe and the State of Florida.
K. Easements, claims of easements, boundary line disputes, overlaps, encroachments or other matters not
shown by the public records which would be disclosed by an accurate survey of the land.
L. Declaration of Restrictions recorded in Official Records Book 341, Page 88, Official Records Book 387,
Page 716, and amendment recorded in Official Records Book 1464, Page 1.
M. Easement in favor of the Utility Board of the City of Key West recorded in Official Records Book 399, Page
229.
N. Easement in favor of the Utility Board of the City of Key West recorded in Official Records Book 441, Page
499.
O. The nature, extent or existence of riparian rights is not insured.
P. Notwithstanding the legal description in Schedule A, this commitment/policy does not insure title to any
lands lying below the mean or ordinary high water line of any navigable or tidally influenced waters, and
specifically excludes from coverage any seawall, bulkhead or dock structure extending outside the insured
lot(s) into the abutting waterway.
Q. Rights of the United States of America over any portion of the Land now or formerly submerged, arising by
reason of the United States' control over navigable waters in the interest of navigation and commerce.
R. NOTE:All recording references in this commitment/policy shall refer to the public records of Monroe
County, Florida, unless otherwise noted.
ALTA Owner's Policy(6/17/06)
2730609 (With Florida Modifications)
Copyright American Land Title Association.All rights reserved. AMERICANS
LAND TITLE
The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use.All other ASSOCIATION
uses are prohibited.Reprinted under license from the American Land Title Association. TM
2017-402