PROPERTY INFORMATION PACKAGE #13-1477

Mortgagee’s Foreclosure AUCTION

1,911+/-SF SINGLE FAMILY HOME 3-Bedroom, 2-Bath ~ Built: 2007

12 AARON’S WAY (a/k/a 4 AARON’S WAY) HARWICH (CAPE COD), MA

Thursday, March 28th at 11:00am On-site Postponed from Feb. 26th

MA Co. Lic. #3184

AUCTIONEER’S DISCLAIMER

The following information is provided to you as a

matter of convenience only, and no representation or

warranty, expressed or implied, is made as to its accuracy

or completeness.

Prospective purchasers of the auction property are

responsible for conducting such due diligence of their

own as they consider appropriate, prior to bidding at the

auction sale.

All information contained within this Property

Information Packet was derived from reliable sources and

is believed to be correct, but is not guaranteed. Buyers

shall rely entirely on their own judgment and inspection.

Announcements from the Auction Block will take

precedence over any previously printed material or any

other oral statements made.

MEMORANDUM OF SALE 1, Aaron's W ay, a/k/ a 12 Aaron's Way, Harwich, MA

(hereinafter the "Property")

This Memorandum of Sale is made this day of February 20 13, by and among the Cape Cod Cooperative Bank, a Massachusetts banking insti tution wi th an address of 25 Benjamin Franklin Way, Hyannis, Massachusetts (the "Mortgagee"), J.J Mann ing Auctioneers, of Yarmouth port, Massachusetts (the "Auct ioneer") and _________ _ _______________ (the "Buyer").

Subject to and in accordance with the terms and condit ions se t for th in that ce rtain Notice of Sale attached hereto as Exhibi t A and incorporated herein by refe rence, and as supplemented by further terms set fo rth below, the Buyer hereby ag rees to purchase the Property more fillly described in said Exhibit A.

T he Property shall be conveyed by the usual mortgagee's deed under the statu tory power of sale. The Property shall be conveyed subject to any outs tanding tenancies and lor leases, the rights of parties in possession, any tax titles, municipal taxes and assessments, any outs tand ing water or sewer bills or liens, and the provisions of applicable s tate and local law, including building codes, zoning ordinances and M.G.L. Chapter 2 J E. Where applicable, the Property shall be conveyed subject to unpaid condominium fees pursuant to Massachusetts General Laws Chapter 183A, as amended.

The bid price for which the Property has been sold to the Buyer is $. ___ ---,-,-____ _ of which $5.000.00 has been paid this day in accordance with the terms of the Mortgagee's Notice of Sale. The sale shall not be deemed completed until the Buyer has made his or he r depos it and has signed this Memorandum of Sale. The balance of the purchase price shall be paid at Crowell Law Office, 99 Willow Street, Sui te l , Yarmouth Port, Massachusetts 02675, by certified or bank check on or before 11:00 a.m. on the thirtieth day following the sa le, provided that such day is one on which the Registry of Deeds is open for business, and if not, then on the next day on which the Regis try of Deeds is open fo r business. T ime is of the essence of this ag reement. The Buyer shall pay all recording costs, includ ing, but not limi ted to, all recording fees and excise stamps.

In the event the Mortgagee cannot convey title to the Property as stipulated, the depos it, and if applicable, the balance of the purchase price shall be refunded and all rights hereunder shall cease, and the Buyer shall have no recourse against the Mortgagee, or its employees, agents and rep resen tati ves, whether at law or in equi ty.

T he Buyer acknowledges that fi'om and after thi s da te he or she shall have the sole risk of'loss, and the Mortgagee shall have no responsibility for main ta ining insurance on the premises. If the P roperty is damaged by fire or other casual ty prior to closing, Buyer shall accept a deed to the Property and an assignment of so much of the insurance proceeds as has not been lIsed in the res toration of the Property prior to the closing, to the extent any s llch proceeds may be available to the Mortgagee, Buyer paying therefore the full balance of the bid price.

The Property shall be conveyed in "as is" condition. T he Buyel' acknowledges that Buyer has not been influenced to enter this transaction by, nor has it been retied upon, any warranties 0 1'

representa t ions of the Mortgagee 0 1' the Auctioneer not set fo rth 01' incorporated in this Memorandum. No personal proper ty of any nature is included in this conveyance except as expressly set forth herein. It; as of this date, there is any tenant 0 1' occupant in res idence, the Buyer, if he/she wishes to evict such tenant or occupant, must do so at his/her own expense.

T he Buyer shall assume responsibility for and cos ts relating to compliance with Title V of the State Environmental Code, sta te and city requirements rega rding smoke and carbon monoxide detection equipment, and lead paid regulations, all as appl icable. Mortgagee makes no warranties 01' representations regarding the Property's current compliance with any state 01'

local regulations 0 1' laws.

I n the event that the successflll bidder at the foreclosure sale shall default in purchasing the within described property according to the terms of the Notice of Sale and /or the terms of thi s Memorandum of Sale executed at the time of the foreclosure, the Mortgagee reserves the right to sell the property by foreclosure Deed to the second highes t bidder provided that the second highest bidder shall deposit the amount of the required deposit with Crowell Law Office within three (3) business days after written notice of default of the previous highest bidder and title shall be conveyed to sa id second highest bidder within twenty (20) days of said written notice.

!lwe, the undersigned Buyer, aclmowledge that l/we have been g iven a copy of this Memorandum of Sale.

W itness our hands and seals this __ day of f ebruary 201 3.

Buyer

Auctioneer By:

Mortgagee By:

Exhi bit A

NOTICE OF MORTGA~EE'S SALE OF REAL ESTATE ' . By fvi l1 ue and In exacullon olll1e Power 01 Sale contained In a

·~.c:er1aln rnortgage 01 real estate gIven by JEREMY A. GINGRAS AND JENNIFER l. GINGRAS to the CAPE COO COOPERATIVE SANK. a Massac~usel1s , banking corporation. having Its principal place 01 business in Barnstable (HyannIs). Barnstable County, MassaChu·· selts, dated May 16, 2008, and recorded on May 21 , 2008, In Barn· stable County Registry 01 Deeds In Book 22923. Page 269. 01 which mortgage the underslQned Is the present holder, 101 broach 01 the conditions 01 said mor1gage and lor Ihe pillpose 01 foreclosing. 1M same w!11 be sold al Public Auction at 11:00 O'Clock A.M. on TUES· DAY, FEBRUARY 26, 2013, on Iha premises slMled at 12 Aaron's Way. aka 4 Aaron's Way, Harwich, BARNSTABLE COUfffi', MASSA­CHUSrnS. said premises all and singular the premises described In said mortgage. to wit.: .

The land with the buildings thereon. situated In Harwich, Barn· slable County, Massachusetts. more particularly described as 101-toV1S: aelng shown as LOT 5. contaIning 40.031 sq. fl . or ,.92 acres, more or less, on a Plan of Land entiUed, ·Subdlv,slon Plan 01 l and in Harwich. MA. Prepared lor: Aaron T. Gingras, Scale: 1 in • 40' Janu·

,ary 4, 2006, revised January 20. 2006 by Eagle Surveyino. tnC:. and recorded In Plan Book 607, Page 79 althe Barnstable County Regis, try 01 Deeds.

Premises 10 be sold and conveyed SUbJect to and with the bene' lit 01 all rlohts, rights 01 way. restrictions. easements. covenants, II·

' ~ni; or Clalms In the nature 01 liens. Improvemenls, public asseu· enls. any and all unpaid taKes. tax l ilies. tax lians. waler and sel'ler

ens ana any other municipal as~ssmants or liens or exlsting en· cumbrances 01 record which are In lorce and are applicable, having priorIty over said mongage. whether or nol relerence to such restrlc· tions. easements, Improvements. nens or encumbrances Is mado In the deed.

TERMS OF THE SALE: A deposit 01 Five Thousand Dollars ($ 5.000.00) by certified or bank check wiU be required 10 be paid by Ihe purchaser at the time and place of sale. The balance Is to be paid by cerlil led or Bank Check at Crowell Law OtlJce, 99 WiUow Street, Suite " Yarmouth Port, MA 02675. wlth!n thirty (30) days Irom Ihe date 01

.... sate. Deed wiu be provided to purchaser (or recording upon receipl lo {Illt 01 the purchase price. In the event 01 an errol in this publication, lIle description of the premises contained In sald mortgage shall con­trot. Other terms. If any. to be announced allhe time oltha sale.

;oj CAPE COD COOPERATIVE BANK. present hOlder 01 said mort· bage by Mary lees Miller. lis Senior Vice PresIdent For further au' ,no,~or said sale see Order 01 the Superior Court in and lot the Coun of Balnstable enlered January 22. 2013, in Case NOt' BACV 1,2·00568. '" \

Samuel H, Crowell. AtlOrn'ey atUw, allOlnellor the Ptalntl1!, 99 Willow Sireet, Su1te I , Yarmouth Port, MA 02B7 21f!. 2111. V18lt~

NOTICE OF MORTGAGEE'S SALE OF REAL ESTATE By virtue and in execution of the Power of Sale contained in a certain mortgage of real estate given by JEREMY A. GINGRAS AND JENNIFER L. GINGRAS to the CAPE COD COOPERATIVE BANK, a Massachusetts banking corporation, having its principal place of business in Barnstable (Hyannis), Barnstable County, Massachusetts, dated May 16, 2008, and recorded on May 21, 2008, in Barnstable County Registry of Deeds in Book 22923, Page 269, of which mortgage the undersigned is the present holder, for breach of the conditions of said mortgage and for the purpose of foreclosing, the same will be sold at Public Auction at 11:00 O'Clock A.M. on TUESDAY, FEBRUARY 26, 2013, on the premises situated at 12 AARON’S WAY, AKA 4 AARON’S WAY, HARWICH, BARNSTABLE COUNTY, MASSACHUSETTS, said premises all and singular the premises described in said mortgage, to wit: The land with the buildings thereon, situated in Harwich, Barnstable County, Massachusetts, more particularly described as follows: Being shown as LOT 5, containing 40,031 sq. ft. or .92 acres, more or less, on a Plan of Land entitled, “Subdivision Plan of Land in Harwich, MA. Prepared for: Aaron T. Gingras, Scale: 1 in = 40’ January 4, 2006, revised January 20, 2006 by Eagle Surveying, Inc.”, and recorded in Plan Book 607, Page 79 at the Barnstable County Registry of Deeds. Premises to be sold and conveyed subject to and with the benefit of all rights, rights of way, restrictions, easements, covenants, liens or claims in the nature of liens, improvements, public assessments, any and all unpaid taxes, tax titles, tax liens, water and sewer liens and any other municipal assessments or liens or existing encumbrances of record which are in force and are applicable, having priority over said mortgage, whether or not reference to such restrictions, easements, improvements, liens or encumbrances is made in the deed. TERMS OF THE SALE: A deposit of Five Thousand Dollars ($ 5,000.00) by certified or bank check will be required to be paid by the purchaser at the time and place of sale. The balance is to be paid by certified or Bank Check at Crowell Law Office, 99 Willow Street, Suite 1, Yarmouth Port, MA 02675, within thirty (30) days from the date of sale. Deed will be provided to purchaser for recording upon receipt in full of the purchase price. In the event of an error in this publication, the description of the premises contained in said mortgage shall control. Other terms, if any, to be announced at the time of the sale. CAPE COD COOPERATIVE BANK, present holder of said mortgage by Mary Lees Miller, its Senior Vice President. For further authority for said sale see Order of the Superior Court in and for the County of Barnstable entered January 22, 2013, in Case No. BACV2012-00568. Samuel H. Crowell, Attorney at Law, attorney for the Plaintiff, 99 Willow Street, Suite 1, Yarmouth Port, MA 02675

state Tax Form Certificate : Issuance Date :

290 640 01/31/2013

MUNICIPAL LIEN CERTIFICATE TOWN OF HARWICH - LIVE DATA

COMMONWEALTH OF MASSACHUSETTS

Requested by CROWELL LAW OFFICE

I certify from available information that all taxes , assessments and charges now payable that constitute liens as of the date of this certificate on the parcel of real estate specified in your application received on 01/28/2013 are listed below .

DESCRIPTION OF PROPERTY

Parcel ID : 60/G7-5-R

GINGRAS JEREMY A & GINGRAS JENNIFER L 12 AARONS WAY HARWICH

12 AARONS WAY

MA 02645

Deed date: 06/26/2006 Book/Page : 21130/305 Class : 1010-GENL

FISCAL YEAR

DESCRIPTION COMMUNITY PRESERVATION ACT REAL ESTATE TAX

TOTAL BILLED : Charges/Fees Abatements/Exemptions Payments/Credits Interest to 01/31/2013

TOTAL BALANCE DUE :

2013

$99.41 $3 , 313 . 60

$3 , 413 . 01 $ . 00 $ . 00

-$2 , 497 . 50 $ . 00

$915 . 51

Land area Land Value Impr Value Land Use Exemptions : Taxable Value :

2012

$92 . 15 $3,071 . 80

$3,163 . 95 $.00 $ . 00

-$3 , 163.95 $.00

$ . 00

IF CHECKED , contact Treasurer's Office [ 1 This property is in TAX TITLE .

at 508-430-7501 for update

[ 1 This property has a BETTERMENT. [ 1 This property has a DEFERRAL . [ 1 This property is currently EXEMPT .

THIS FORM APPROVED BY THE COMMISSIONER OF REVENUE

0 . 92 AC 119 , 400 266 , 800

o o

386 , 200

2011

$96.42 $3 , 213 . 98

$3 , 310 . 40 $.00 $.00

-$3 , 310 . 40 $.00

$ . 00

24575 SEQ #: 12,61712/12/2012Key: Town of HARWICH - Fiscal Year 2013 1:48 pm

DESCRIPTION CARDBNPARCEL ID CLASS%

ofSINGLE FAMILY12 AARONS WAY60-G7-5-0-R 11 11010

%1stINSPAMOUNTDESCTYPMT NOT PMT DTSALE PRICE BK-PG (Cert) BYDOSTRANSFER HISTORY

ADJ BASE SAFCD CREDIT AMTT NghACRES/SF Infl1 Infl2 Topo Lpi

0FRNTZONING CURRENT ASSESSED PREVIOUS TOTAL

N

O

T

E

LAND 119,400 108,800

BUILDING 266,800 269,500 NGH 4Ngh

DETACHED 0 0 Infl1 NONE

OTHER 0 0 FACTOR 100Infl2

TOTAL

RCNLDTY

MODEL 1 RESIDENTIAL

QUAL COND ADJ PRICEDIM/NOTE UNITSYB

+QUALITY GOOD-/AVE+ [100%] 1.20

STYLE 4 1.27 CAPE [100%]

FRAME 1 1.00 WOOD FRAME [100%]

2007YEAR BLT

MEASURE MO2/26/2008

EFF.YR/AGE

LIST

REVIEW DS5/8/2008

$NLA(RCN)

NET AREA

1.000

1,911

277,868

4 4%COND

0FUNC

0ECON

DEPR 4 % GD 96

$266,800

BAT TCD ADJ PRICE RCNUNITSDESCRIPTION DESCRIPTIONADJELEMENT

UNITSCAPACITY

BLDG COMMENTS

ADJ

1.75

7

3

2

6

1

STORIES(FAR)

ROOMS

BEDROOMS

BATHROOMS

FIXTURES

UNITS

1.00

1.00

1.00

1.00

$6,309

1.00

100

300

S

A

40,000

0.001

4

4

1.00

1.00

1

1

1.00

1.00

100

100

1.00

1.00

130,000

10,800

1.00

1.00

100

100

1.00

1.00

1

1

1.00

1.00

119,380

10

VC

$145

100

443

381

607/79

576/8

565/2

07/10/2006

06/19/2006

03/31/2006

09/03/2002

NEW CONST

NEW CONST

SPLIT/SUB

SPLIT/SUB

SPLIT/SUB

150,000 02/25/2008

12/19/2006

12/27/2006

11/21/2002

MO

MO

DM

SH

SH

100

100

100

100

100

100

100

100

100

100

GINGRAS JEREMY A &

GINGRAS AARON T &

GINGRAS AARON T

06/26/2006

08/13/1997

04/05/1996

A

F

N

128,000

1

48,000

21130-305

10897-300

10138-1

40,031 SF

ADJ VALUE

LOCATION CLASSCURRENT OWNERL

E

G

A

L

L

A

N

D

D

E

T

A

C

H

E

D

B

U

I

L

D

I

N

G

S YB TOTAL RCN

RCNLD

SIZE ADJ

1

1

5

5

5

DETAIL ADJ

OVERALL

1.000

1.270

BN ID

CONDITION ELEM CD

CD ADJ DESC

2007 / 4

BMU

BAS

USF

OPA

WDK

N

L

L

N

N

1,092

1,092

819

234

468

32.81

123.89

99.93

33.61

22.92

35,834

135,290

81,843

7,864

10,727

BSMT UNFINISHED

BAS AREA

UP-STRY FIN

OPEN PORCH

ATT WOOD DECK

A

A

A

B

C

2007

2007

1.00

1.00

1.00

1.00

1.00

1.00

1.00

1.00

4

1

1

1

3

2

1

1

FOUNDATION

EXT. COVER

ROOF SHAPE

ROOF COVER

FLOOR COVER

INT. FINISH

HEATING/COOLING

FUEL SOURCE

BSMT WALL

WOOD SHINGLES

GABLE

ASPHALT SHINGLE

W/W CARPET

DRYWALL

FORCED AIR

OIL

PHOTO [04/10/2007]

BUILDING

378,300 386,200

GINGRAS JEREMY A &

GINGRAS JENNIFER L

12 AARONS WAY

HARWICH, MA 02645

THANK YOU FOR REVIEWING THE ENTIRE PROPERTY INFORMATION PACKAGE. WE LOOK FORWARD TO SEEING YOU AT THE AUCTION. IF YOU HAVE ANY QUESTIONS

PLEASE DON’T HESITATE TO CONTACT US.

Justin Manning, CAI, AARE

President Phone: 800-521-0111

Fax: 508-362-1073 Web: www.JJManning.com

Email: auctions@JJManning.com

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