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Deeds - 6/21/1999 - Appraisal for 1330 13th Street house - 06/21/1999LETTER OF TRANSMITTAL Mr. J. D. Schindler City of Huntsville 1212 Avenue M Huntsville, Texas 77340 June 21,1999 Subject: 1330 13th Street, Huntsville, Texas, being Lot 1, Block 12, Huntsville Township, P. Gray League A-24, Walker County, Texas. Owner: Mrs. H. H. Greene Dear Mr. Schindler, At your request, I have inspected the above referenced property from the exterior only. The purpose of this report is to estimate the "as is" market value of the subject property in Fee Simple Estate. The function of this report is to estimate the aforementioned value, in accordance with the guidelines contained herein (and provided by the client), and is for asset evaluation purposes. This is a "Summary" Appraisal Report which is intended to comply with the reporting requirements set forth under Standards Rule 2-2(a) of the Uniform Standards of Professional Appraisal Practice. As such, it presents a summary of the data, reasoning, and analyses that were used in the appraisal process to develop the appraiser's opinion of value. Supporting documentation concerning the data, reasoning, and analyses is retained in the appraiser's file. The depth of discussion contained in this report is specific to the needs of the client. The appraiser is not responsible for unauthorized use of this report. No obvious evidence of any environmentally hazardous condition was noted during inspection; however, the appraiser is not an expert in this field and can only recommend that a qualified person or company be consulted if any concern exists. The "as is" final estimate of market for the subject property in fee simple estate, as of June 21,1999, subject to the assumptions and limiting conditions contained herein, and subject to a full inspection of the subject property, is; FIFTY -THOUSAND DOLLARS ( $ 50,000.00 ) This is to certify that the undersigned appraiser, including employees and associates; has no present or prospective interest in the property appraised and compensation is not contingent upon the valuation. Acceptance of and/or use of this report constitutes acceptance of all the assumptions and limiting conditions contained in this report. Respectfully Submitted, .,7And Flack Appraiser/Consultant Real Estate Evaluation Report This is an all purpose form designed to be used to make a Real Estate Evakintion Report as defined by the Federal Reserve Board and other federal agencies for transactions which do not require a real estate appraisal. Borrower — n/a Census Tract n Type Of Property Property,Mdress 1330 13th Street H.H. Greene - Omer) X Resiciaftl Condo/PUD City Huntsville CountyWalker State TeXaS Zip Code 77340 Small Income IMDM PreparerAr—idy Flack -Company Name jeS Commercial Industrial Address 1600 Nonial R�Hu�ntsville, Texas 77340 Special purpose Retail Telephone No. 409-295-2500 SS# or IDS 76-0390881 other Lender/Client Ci- 7 Of BMt-L C L I e, Ea. 0 Mr. J.D. gqWX4;er Area Description Rural city with 25, 000 +/- pcEmlation. State pldsm/State University. Neighborhood Description Central area of city, older jis same use d2anges, maintained aju_ Property Values stable to increasing Demand/Supply stable, appear balanced with slit demand trend Marketing Time 3-6 ninths Growth Rahn St 1 Neighborhood Land Uses PredCMirlarltly reiSdential With CanTerCial an fringe Neighborhood Trend and Probable Changes Tmnd to maintain residential wj to Older Price Range for Similar Type Pro pedy jPer Unit or Per Sq. Ft.) $ 35 000.00 to 8 70,000.00 Comments on the sig ificaril factors in the area and neighborhood that affect the value and marketability of the subject property. Viol.: Race or racial oompoelaw Is not con*ww ID be a sWilficam evaluation factor.) TWical central area of me&un size City, city agmtities glose Site Dimensions and Area lullu-joyffi. see =Cbad Plat for illug&raticn, Zoning Classification and Compliance residential Highest and Best Use reSiClential Utilities electricity, water, sew --r, te1qatime She Improvements and Characteristics 1332 SE frarM hom, 2 car garage. ammxed wrdms Easements, Encroachments, Special Assessments ncrie knom FEMA Flood Zone C FEMA Map No. 480639 QQQ5 B FEMA Special Flood Hazard Area NCne Known or apparent environmental hazards in area, neighborhood or on site Nme Kncm. Assessments 2 730,00 Taxes 8 847.18 Association Fees n/a Comments General Description and Use Metal sidimig cuer wood frane, c=. roof, Pier/Bearn foundatim, residential Size and Shape 1323 SF hcm, S76 SP ga2ag!-,, 94 SE covered pocimbas Age and Condition aM urkiowri, estinated to be SO+/- yea=, effective -M = 20 )p_a3M Exterior Walls and Roof Metal P-,& ' COqMait-ion shingIc- Ymf Interior Description UrAalOwn- An inte-ric-3r visual jnEpe=j= mas riot perfo3MIed by the appraispr Comments (favoraw or unfavoque, w"Kbv row*d mpah, deferred malr4enanoe, lowm or appererd ampaor~tal hanuft) Appears t -n be i n ayeL= t--() cric,41 rrr-ki , , the L-xt=j ��i h i �ffikffi History (sales, listings, offers) n/a Cost Approach Summary (see attached shoot if applicable) $ nZa Income Approach Summery (see attached sheet if applicable) $ rIva ITEM I SUBJECT COMPARABLE NO. 1 COMPARABLE NO. 2 COMPARABLE NO. 3 1330 13th street (H. 826 10th Street 1720 18th Street 917 Avenue J Address Hmtsyill�-, TX Huntmdlle, TX -MMLEnzille, TX Proximityto Subject A C; hiry-kgq With 7 Qa $ $n/.q $ A Sales Price 4.q-nnn Price perSq, fcnt-_ $ $ 35.71 $ 29-19 ..... ....... VALUE ADJUSTMENT S DESCRIPTION DESCRIPTION + (-) Adjustmamit DESCRIPTION + Acquatmem DESCRIPTION Aciustmard Date of Salefrime 6/17/99 719/98 Ir, 198 5126/99 Location good aveam=- cn Od !Me Aso./= A50 0 — - "E20 O/E30 61,416 Condition —ayu- All" aw-gmd aya Size 1-1-42 RF SF -429 1280 qP 1,828 1 -41 n SE lanage 2 c, -q r 2,500 1 car 2, E;00 1 car 2,500 Conditions of Sale Special Fine F7 Total Adjustments $ 2.0711 + az„xsFtec0-$ 4, 128 Fx $ 8,916 Indic. Value of Subject Sales Comparlsort Indicated Value $ $ 47,41-6, ESTIMATED Market- VALUE $ rn, ()00 - no as of /17 1999 Reconciliation and General Comments (aliKhaddlitiOnilishwa —roscled) Several arid' imal couparah1p =al(ms unre rP-qPaT-rhFYj and rpemciled with qimil;;-r rpsult--r— Ifie -4 presenteri arp- cm,-,j8(-rf-Yj t -hp jyqj7 fnr =rnari-sm t -c) the si rlt 1, C. 17 I oerlify'lhat to the best of my bxmledp� 92J=Y-011A�, inSv,*b0'"P1u&W” Lo th.-reporlbd anafyaea.:W�- oix—wbswa are limited only by the mporled asnumplioa, ew Imaxi conclitiore. and we my personal urbiew projesmonal analysis and cxcluslora. I haw w (or speoftd) Present or PFOSPOOM interest in lhe property that is the subject of this enluallon, WO I how M (or Specified) persored blereat with rasped lo to parties InvoKed. My comperaartion is not oon*Kpm upon reportiry of a preftle"irad value or direction m value that WWM the cause of the cervi, the amwffl of the value estimate, the StleirarNMOt of a Stipulated MWIL W the occurrimce of a subsequent ewffl. I how (ure@86 otWWiN W40810M made a =I of the property that Is the w*Mf Oft evaluedw. No one provided AWNicant prolessiorail assistance to pentonpentonhe peslgrft this evaluation unless it is ac Iralimled- `=n", opWore, and ooncktolore wens dewlopecl, and this owltiation has been prepared, In corticirmily with the Urdomn Stardarcle of Prof sSiorw Appraisal Practice. Preparer Additional Prepararr-*-Signer n/a Signatum�� Property Inspection: Ve,, Supervisor Property InsWtIon: Date Rel5ort §!gnWjlm,. 21 1 Interior ( x I Exterior Date Report Signed ]Interior[ ] Exterior -Altached: Sketch of Piopertf, Value DeftWor,&Aseumptiore; Pho4raphs; Location Map; God Approach; Iricome Approach; EmAwnterdel Adder4um 0 of Attached Shoots FW 69 8193 Test Version TOTAL' Appraisal Software by a le ffmxb, fro. 14100-ALWOUE Hmeland Properties (409) 295-2500 DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is rat affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he considers his own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions' granted by anyone associated with the sale. Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraisers judgment STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION CONTINGENT AND LIMITING CONDITIONS: The appraiser's certification that appears in the appraisal report is subject to the following conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it. The appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the title. The property is appraised on the basis of it being under responsible ownership. 2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements and the sketch is included only to assist the reader of the report in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in the appraisal report whether the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand. 5. The appraiser has estimated the value of the land in the cost approach at its highest and best use and the improvements at their contributory value. These separate valuations of the land and improvements must not be used in conjunction with any other appraisal and are invalid if they are so used. 6. The appraiser has noted in the appraisal report any adverse conditions (such as, needed repairs, depreciation, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the normal research involved in performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden or unapparent conditions of the property or adverse environmental conditions (including the presence of hazardous wastes, toxic substances, etc.) that would make the property more or less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied, regarding the condition of the property. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist Because the appraiser is not an expert in the field of environmental hazards, the appraisal report must not be considered as an environmental assessment of the property. 7. The appraiser obtained the information, estimates, and opinions that were expressed in the appraisal report from sources that he or she considers to be reliable and believes them to be true and correct The appraiser does not assume responsibility for the accuracy of such items that were fumished by other parties. B. The appraiser will not disclose the contents of the appraisal report except as provided for in the Uniform Standards of Professional Appraisal Practice. 9. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that completion of the improvements will be performed in a workmanlike manner. 10. The appraiser must provide his or her prior written consent before the lender/client specified in the appraisal report can distribute the appraisal report (including conclusions about the property value, the appraiser's identity and professional designations, and references to any professional appraisal organizations or the firm with which the appraiser is associated) to anyone other than the borrower; the mortgagee or its successors and assigns; the mortgage insurer; consultants; professional appraisal organizations; any state or federally approved financial institution; or any department, agency, or instrumentality of the United States or any state or the District of Columbia; except that the lender/client may distribute the property description section of the report only to data collection or reporting service(s) without having to obtain the appraiser's prior written consent. The appraiser's written consent and approval must also be obtained before the appraisal can be conveyed by anyone to the public through advertising, public relations, news, sales, or other media. Frerldfe Mac Fpm 439 8-93 Fartie Mee Form 1004a 6-93 "TOTAL" appraWl aoft l by a la mode. Inc. 1- x-ALAMODE Page 1 of 2 APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. 1 have researched the subject market area and have selected a minimum of three recent sales of properties most similar and proximate to the subject property for consideration in the sales comparison analysis and have made a dollar adjustment when appropriate to reflect the market reaction to those items of significant variation. If a significant item in a comparable property is superior to, or more favorable than, the subject property, I have made a negative adjustment to reduce the adjusted sales price of the comparable and, 'd a significant item in a comparable property is inferior to, or less favorable than the subject property, I have made a positive adjustment to increase the adjusted sales price of the comparable. 2. 1 have taken into consideration the factors that have an impact on value in my development of the estimate of market value in the appraisal report. I have not knowingly withheld any significant information from the appraisal report and I believe, to the best of my knowledge, that all statements and information in the appraisal report are true and correct. 3. 1 stated in the appraisal report only my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the contingent and limiting conditions specified in this form. 4. 1 have no present or prospective interest in the property that is the subject of this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or the estimate of market value in the appraisal report on the race, color, religion, sex, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property. 5. 1 have no present or contemplated future interest in the subject property, and neither my current or future employment nor my compensation for performing this appraisal is contingent on the appraised value of the property. 6. 1 was not required to report a predetermined value or direction in value that favors the cause of the client or any related party, the amount of the value estimate, the attainment of a specific result or the occurrence of a subsequent event in order to receive my compensation and/or employment for performing the appraisal. I did not base the appraisal report on a requested minimum valuation, a specific valuation, or the need to approve a specific mortgage loan. 7. 1 performed this appraisal in conformity with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place as of the effective date of this appraisal, with the exception of the departure provision of those Standards, which does not apply. I acknowledge that an estimate of a reasonable time for exposure in the open market is a condition in the definition of market value and the estimate I developed is consistent with the marketing time noted in the neighborhood section of this report, unless I have otherwise stated in the reconciliation section. 8. 1 have personally inspected the interior and exterior areas of the subject property and the exterior of all properties listed as comparables in the appraisal report. I further certify that I have noted any apparent or known adverse conditions in the subject improvements, on the subject she, or on any site within the immediate vicinity of the subject property of which I am aware and have made adjustments for these adverse conditions in my analysis of the property value to the extent that I had market evidence to support them. I have also commented about the effect of the adverse conditions on the marketability of the subject property. 9. 1 personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal report. If I relied on significant professional assistance from any individual or individuals in the performance of the appraisal or the preparation of the appraisal report, I have named such individual(s) and disclosed the specific tasks performed by them in the reconciliation section of this appraisal report I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in the report; therefore, If an unauthorized change is made to the appraisal report, 1 will take no responsibility for it SUPERVISORY APPRAISER'S CERTIFICATION: If a supervisory appraiser signed the appraisal report, he or she certifies and agrees that: I directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the statements and conclusions of the appraiser, agree to be bound by the appraiser's certifications numbered 4 through 7 above, and am taking full responsibility for the appraisal and the appraisal report. ADDRESS OF PROPERTY APPRAISED: 1330 13th St. (H.H. Greene - Owner) Huntsville, TX APPRAISER: SUPERVISORY APPRAISER (only If required): Did [—] Did Not Inspect Property Freddie MBC Fong 439 8.93 Fanrie Mae Form 1004B 6-93 TOTAL" epP "aoflwWe by e M mode, mG 1.800•ALAMODE Page 2 o1 2 Signature: Signature: Name: Anciv Flack Name: n/a Date Signed: June 21, 1999 Date Signed: State Certification t: 1323511 G State Certification w: or State License e: 0344465 or State License •: State: Texas State: Texas Expiration Date of Certification or License: 10/31/00 Expiration Date of Certification or License: Did [—] Did Not Inspect Property Freddie MBC Fong 439 8.93 Fanrie Mae Form 1004B 6-93 TOTAL" epP "aoflwWe by e M mode, mG 1.800•ALAMODE Page 2 o1 2 io. CHAN Etl swTHrLlt M. ernmett ® SoAr- zsAc IO6 AVE 0 ,00 , ® a mum eo. (D W.D/CRlR10�I a z ® '• b. 1:641* FT. �Nillsi� Qom! WAGRELLA 2r t, ET AL WALKER CO. HOSPITAL DIST s� � ro• _R RR e. ® r ) MTN x""�T� 4700 ao 8 I" two T (y)R.6.blalock S 4 GAtE APTS. se /tits 9 4. 2avmond Bielou(' 4 i s. i CITY IF iza t tMl a s `o" i 1 ® G.C, I HH.rtg > AW; SALCH _ os as ro. I 1 Gfiy I 1 IV. __j --------------- ,mss 7 rre A. Q- IARPER --------------------- I 6. I ks & Jr- woraEy rrz 1 5. 1. s. � (CFUNERALHDAFl ! AL. Cox a rza lei S I rzy i CITY IF iza t tMl i I city _ I 644 i $ lu ct4y I tx3 1 ,!4 L rl SAM G. DOMINEY N 1 ELLA SM PARKVEW A (. TgzNJ Mo I I I �IIIIIIIIIIIIII NATIONAL FLOOD INSURANCE PROGRAM 1 IIIIIIIIIIIIIIIII f oRINSURANCE RATE MAP I CITY OF HUNTSVILLE, TEXAS _ WALKER COUNTY ONLY PANEL PRINTED COMMUNITY -PANEL NUMBER 480639 0005 B EFFECTIVE DATE: FEBRUARY 4. 1981 federal emergency managerr federal insurance admi, ZONE A LIMIT OF DETAILED STUDY LIMIT OF DETAILED `l, STUDY ZONE A— ZONE B y 2J/ � i HIRMINGF 3%R A m ��P OST 6 ZON E A �JL_ STHEF 378 O ZONE B RM _,\—OLD MADISONVILLE ROAD EVENTH ST ZONE = r \ ZONE B'324 RM 6 B Z 330 327 a TENrO( _J� ZONE B 3 331 -IIII _—IIIIIIIr--� IIf - Tr�Ararr -- u_ -- RN, 339 IMITOF 100 . -- RM$ ETAILED TUDv ZONE SNE B ZONE B eQr 4 Al 3 1 LIMITOF 338 �LZO E 35 I1 DETAILED LIMIT OF `N STUDY DETAILED STUDY 359 ONE L4,11TREET �7z� ZON E 3 B nne d IINTEENTH 9 1 \\ ZONE C c of =I / NE GOODR J NINTH STREET z a A 9 ] ZO i OZONE E EC LINE STREET 1 / ZO ADDENDA TEXAS APPRAISER LICENSING AND CERTIFICATION BOARD BE IT KNOWN THAT ROBERT ANDREW FLACK HAVING PROVIDED SATISFACTORY EVIDENCE OF THE QUALIFICATIONS REQUIRED BY THE TEXAS APPRAISER LICENSING AND CERTIFICATION ACT, ARTICLE 6573a.2, VERNON'S TEXAS CIVIL STATUTES, IS A UTHORIZED TO USE THE TITLE STATE CERTIFIED GENERAL REAL ESTATE APPRAISER Number: TX -1323511-G Date of Issue: November 3, 1998 Date of Expiration: October 31, 2000 In Witness Thereof Benjamin E. Barnett, Chair Renil C. Lin6r, Commissioner Benjamin E. Barnett, Chair Debra S. Runyan, Vice -Chair Jacqueline G. Humphrey, Secretary Leonel Garza, Jr. David Gloier Eduardo A. Lopez Robert A. Seale, Jr. James M. Synatzske Angie V. White QUALIFICATIONS Broker: Andy Flack Age: 38 years Residence: Huntsville, Texas 19 years Educational Background: Graduate of Bellaire High School Graduate of S. H. S. U., 1984 Bachelors of Science degree in Agribusiness Special Real Estate Studies: Real Estate Principles Real Estate Appraisal Real Estate Law Farm 8t Ranch Management Real Estate Finance Property Management Rural Real Estate Appraisal Graduate Study Topics: Ad Valorem Tax Values -Rural Real Estate Uses Effects of Land Management on Rural Real Estate Values Microcomputers - Real Estate Application Land and Natural Resource Economics Advanced Marketing Real Estate Economics Macro and Micro Economics Advanced Real Estate Marketing Production Theory Economics Professional Experience: Owner/Broker of HomeLand Properties Active in: listing, marketing, sales, property management, investment, development, financial advisement and appraising of all types of real estate. Professional Organizations: State of Texas Real Estate Broker, License # 0344465 Huntsville Board of Realtors -member Texas Association of Realtors -member National Association of Realtors -member State of Texas General Certified Appraiser, License # 1323511 REFERENCES Mr. Sam Burris, President Crockett National Bank, Crockett, Texas First National Bank, Huntsville, Texas P.O.Box 659 Huntsville, Texas 77342-0659 409-295-5701 Mr. Gerald McCoy, President Lake Area National Bank P.O. Box 1769 Trinity, Texas 75862 409-594-7575 Mr. Richard Ohendalski, C.P.A. 1423 Brazos Drive Huntsville, Texas 77340 409-291-3603 Mr. Ronald J. Mitchell, President American Bank Branch of The East Texas National Bank of Palestine P.O. Box 1779 Huntsville, Texas 77342 (409) 295-6481 Mr. O.J. Moak, Attorney at Law 1215 University Huntsville, Texas 77340 409/295-5497 Mr. Kelvin G. Steely, Landowner Steely Lumber Company, Inc. Rt. 8 Box 350 Huntsville, Texas 77340 PARTIAL LIST OF CLIENTS American Bank, Huntsville, Texas Ameritrust, Mtrust/Mrealty, Houston, Texas Amoco Federal Credit Union, Houston, Texas Bank of East Texas, Lufkin, Texas Bluebonnet Savings, Dallas, Texas Champion International Corporation, Huntsville, Texas Citadel Bank, Houston, Texas Citizens State Bank, Buffalo, Texas Citizens Bank of Texas, Huntsville, Texas City of Huntsville, Huntsville, Texas Commerce National Bank, College Station, Texas Community Service Credit Union, Huntsville, Texas Countrywide Funding, Inc., Houston, Texas Dayton State Bank, Dayton, Texas East Texas Legal Services, Huntsville, Texas The East Texas National Bank of Palestine, Palestine , Texas Family Court, Houston, Texas Farmers Home Administration, USDA, Bryan, Texas Federal Deposit Insurance Corporation, Houston, Texas First Bank and Trust, Cleveland, Texas First City Bank, Houston, Texas First National Bank, Cedar Hill, Texas First National Bank, Huntsville, Texas First National Bank of Trinity, Trinity, Texas First State Bank of Bedias, Bedias, Texas First State Bank - Dime Box, Texas First State Bank - Kosse, Texas Greater Denver Land Development Corporation, Denver, Colorado IQein Bank, Conroe, Texas Industry State Bank, Industry, Texas Lake Area National Bank, Trinity, Texas Lovelady State Bank, Lovelady, Texas Mcorp/Realty Alliance of Texas, Dallas, Texas Merchants Bank, Houston, Texas Metropolitan Mortgage Corporation, Dallas, Texas Mortgage Max Services, Inc., Katy, Texas NationsBank, Huntsville, Texas and Bryan/College Station, Texas The National Bank of Madisonville, Madisonville, Texas Old Republic Title Insurance Company, Houston, Texas Pasadena State Bank, Pasadena, Texas Prudential Relocation Services, Shelton, Connecticut Resolution Trust Corporation, Houston, Texas Small Business Administration, Houston, Texas Sterling Bank, Houston, Texas Texas Commerce Bank, Houston, Texas Texas National Bank, Cleveland, Texas United States Bankruptcy Court, Houston, Texas United States Department of Justice, Southern District, Houston, Texas United States Marshals Service - Seized Assets Division, Houston, Texas Wal-Mart Stores, Inc., Bentonville, Arkansas Various attorneys', accountants, estates, and trusts.