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Home My WebLink About3775 Jay Streetocc INSPECT��N RECO u anc /T e RD INSPECTION REQUEST LINE: (303) 234-5933 Inspections will not be performed unless this card is posted on the project site. Call the inspection request line before 11:59 p.m. to receive an inspection the following business day.** Inspector Must Sign ALL Spaces pertinent to this project Foundation Inspections Pier Concrete Encased Ground (CEG) Foundation / P.E. Letter Date Inspector Initials Do Not Pour Concrete Prior To Underground/Slab Inspections Date Inspector Initials Electrical Sewer Service Plumbing Do Not Cover Unde Rough Inspections Wall Sheathing Mid -Roof Lath / Wall Tie Rough Electric Rough Plumbing/Gas Line Rough Mechanical Rough Framing Rough Grading Insulation Drywall Screw/ Nail Final Inspections and or Below/In-Slab Date Inspect< Landscaping & Parking / Planning Dept. ROW & Drainage / Public Works Dept. Floodplain Inspection (if applicable) Fire Inspection / Fire Protection Dist. Final Electrical Final Plumbing Final Mechanical Roof Final Window/Doors Final Building Date Inspector Initials Comments I Of The Above In Comments ctions Prior To Approval Of The Above I Comments Comments ctions Inspections from these entities should be requested one week in advance. For landscaping and parking inspections call 303-235-2846. For ROW and drainage inspections call 303-235-2861. For fire inspections contact the Fire Protection District for your project. NOTE: All items must be completed and approved by Planning, Public Works, Fire and Building before a Certificate of Occupancy is issued. Approval of the Final Building inspection does not constitute authorization of occupancy. *For low voltage permits —Please be sure that rough inspections are completed from the Fire District and electrical low voltage by the Building Division. "For Inspection Time Window — Please email inSptimerequest C@d Ci.Wheatridge.co.US by 8:00 A.M. the morning of the inspection with the property address in the subject line of the email. Time window is based on the inspector's route. Occupancy Is Not Permitted Until A Certificate of Occupancy Is Issued Protect This Card From The Weather City of Wheat Ridge Residential Roofing PERMIT - 201701633 ISSUED: 06/06/2017 2MIT NO: 201701633 EXPIRES: 06/06/2018 iB ADDRESS: 3775 Jay ST )B DESCRIPTION: Permit for a reroof: Tear off existing roof to deck, Install synthetic underlayment, and replace with OC Duration comp shingle °* CONTACTS *** VNER (303)903-3990 CARDENAS VALERIE 150095 1st Priority Roofing JB (720)271-3718 Josh Mudock/Billy Sweeney ** PARCEL INFO *** USE: UA / unassigned ONE CODE: UA / Unassigned UBDIVISION CODE: 2405 / BARTHS, COULEHAN GRANGE, WHEAT BLOCK/LOT#: 0 / ** FEE SUMMARY *** ESTIMATED PROJECT VALUATION: 13,200.00 FEES otal Valuation 0.00 277.20 se Tax 267.70 lermit Fee * ** 544.90 TOTAL ** COMMENTS *** r** CONDITIONS ***roved midroof Effective December 1, 2014, asphalt shingle installations require an app inspection, conducted when 25-75 percent of the roof covering is installes an d, rior to Pial approval. Installation of roof sheathing (new or overlay) on prior to installation of ANY roof coverings and is require on the entire roof when spaced or board sheathing with ANY gap exceeding A/2-inch exists. Asphalt shingles are required to be fastened to the roof deck with a minimum of 6 nails per shingle. Ice and water shield is required. Eave and rake metal is required. A ladder extending 3 feet above the roof eave and secured in place is required to be provided for all roof inspections. Roof ventilation is required to comply with applicable codes and/or manufacturera€ms installation instructions, whichever is more stringent. In order to pass a final inspection of elastomeric or similar type roof coverings, a letter of inspection and approval from the manufacturer's technical representative stating that "the application of the roof at (project address) has been applied in accordance with the installation instruction for (roof material brand name) roof covering" is required to be on site at the time of final inspection. t� N* i CITY OF WHEAT RIDGE _:�9�Building Inspection Division (303) 234-5933 Inspection line (303) 235-2855 Office • (303) 237-8929 Fax INSPECTION NOTICE Inspection Type: d2d Job Address: Permit Number: 2.0 / `? a/ - T r� ❑ No one available for inspection: ime r1 AM/PM Re -Inspection required: YesL When corrections have been made, call for re-inspectipt "at 303-234-5933 Date: Inspector: —z i DO NOT REMOVE THIS NOTICE i CITY OF WHEAT RIDGE _:�9rBuilding Inspection Division (303) 234-5933 Inspection line (303) 235-2855 Office • (303) 237-8929 Fax INSPECTION NOTICE Inspection Type: i r I :T-- b Job Address: _772-S _�9—5� Permit Number: 3 ['No one available for inspection: Time ----AM/PM Re -Inspection required: Yes. No When corrections have been made, c or re-inspe do a 303-234-5933 v Date: �/J 2 l 1 Inspector: DO NOT REMOVE THIS NOTICE .r City of Wheat Ridge Residential Roofing PERMIT - 201701633 PERMIT NO: 201701633 ISSUED: 06/06/2017 JOB ADDRESS: 3775 Jay ST EXPIRES: 06/06/2018 JOB DESCRIPTION: Permit for a reroof: Tear off existing roof to deck, Install synthetic underlayment, and replace with OC Duration comp shingle *** CONTACTS *** OWNER (303)903-3990 CARDENAS VALERIE SUB (720)271-3718 Josh Mudock/Billy Sweeney 150095 1st Priority Roofing *** PARCEL INFO *** ZONE CODE: UA / Unassigned USE: UA / Unassigned SUBDIVISION CODE: 2405 / BARTHS, COULEHAN GRANGE, WHEAT BLOCK/LOT#: 0 / *** FEE SUMMARY *** ESTIMATED PROJECT VALUATION: 13,200.00 FEES Total Valuation 0.00 Use Tax 277.20 Permit Fee 267.70 ** TOTAL ** 544.90 *** COMMENTS *** *** CONDITIONS *** Effective December 1, 2014, asphalt shingle installations require an approved midroof inspection, conducted when 25-75 percent of the roof covering is installed, prior to final approval. Installation of roof sheathing (new or overlay) requires an approved inspection prior to installation of ANY roof coverings and is require on the entire roof when spaced or board sheathing with ANY gap exceeding A1/2 -inch exists. Asphalt shingles are required to be fastened to the roof deck with a minimum of 6 nails per shingle. Ice and water shield is required. Eave and rake metal is required. A ladder extending 3 feet above the roof eave and secured in place is required to be provided for all roof inspections. Roof ventilation is required to comply with applicable codes and/or manufacturera€rms installation instructions, whichever is more stringent. In order to pass a final inspection of elastomeric or similar type roof coverings, a letter of inspection and approval from the manufacturer's technical representative stating that "the application of the roof at (project address) has been applied in accordance with the installation instruction for (roof material brand name) roof covering" is required to be on site at the time of final inspection. City of Wheat Ridge Residential Roofing PERMIT - 201701633 PERMIT NO: 201701633 ISSUED: 06/06/2017 JOB ADDRESS: 3775 Jay ST EXPIRES: 06/06/2018 JOB DESCRIPTION: Permit for a reroof: Tear off existing roof to deck, Install synthetic underlayment, and replace with OC Duration comp shingle I, by my signature, do hereby attest that the work to be performed shall comply with all accompanying approved plans and specifications, applicable building codes, and all applicable municipal codes, policies and procedures, and that I am the legal owner or have been authorized by the legal owner of the property and am authorized to obtain this permit and perform the work described and approved in conjunction with this ermrt. I further attest that I am legally authorized to include all entities named within this document as parties to the work to be performed and that all work to be performed is disclosed in this document and/or its' accompanying approved plans and specifications. ,f Signature of OWNER z=or CONTRACTOR (Circle one) Date 1. This permit was issued based on the information provided in the permit application and accompanying plans and specifications and is subject to the compliance with those documents, and all applicable statutes, ordinances, regulations, policies and procedures. 2. This permit shall expire 365 days after the date of issuance regardless of activity. Requests for extension must be made in writing, and received prior to the date of expiration. An extension of no more than 180 days made be granted at the discretion of the Chief Building Official and may be subject to a fee equal to one-half of the originalpermit fee. 3. If this permit expires, a new permit may be required to be obtained. Issuance of a new permit shall be subject to the standard requirements, fees androcedures for approval of any new permit. Re -issuance or extension of expired permits is at the sole discretion of the Chief Budff Building Ocial and is not guaranteed. 4. No work of any manner shall be performed that shall results in a change of the natural flow of water without prior and specific approval. 5. The permit holder shall notify the Building and Inspection Services Division in accordance with established policy of all required inspections and shall not proceed or conceal work without written approval of such work from the Building and Inspection Services Division. 6. The issuance or granting of a permit shall not be construed to be a permit for or an approval of, any violation of any provision of any applicable code or any ordinance or regulation of this ju0sdi<ction. Approval of work is subject to field inspection. Signature of Chief Building Official Date 1' REQUESTS DUST BE MADE BY 11:59PM ANY BUSINESS DAY FOR INSPECTION THE FOLLOWING BUSINESS DAY. Inspection time requests will be accepted by email only. Please email requests to insptimerequestgci.wheatridge.co.us between 7:30am and 8:00am, the morning of the inspection. Please put the address of the inspection in the subject line. itv 01 W he PJ, - Building & Inspection Services Division 7500 W. 29'" Ave., Wheat Ridge, CO 80033 Office: 303-235-2855 * Fax: 303-237-8929 Inspection Line: 303-234-5933 Email: FOR OFFICE USE ONLY PlanlPermit # Plan Review Fee: Building Permit Application Please complete all highlighted areas on both sides of this form. incomplete applications may not be processed. Property Address: Phone:' Property Owner (please print):___ Property Owner Email: Mailing Address: (if different than properly address) Address: City, State, Zip: Arch Architect/Engineer E-mail: Contractor Contractors City License #: Contractor E-mail Address: Electrical: Plumbing: VV.R. City License # W.R. City License # Other City Licensed Sub. Citv License # Phone: Mechanical: W -R, City License # Other City Licensed Sub: City License # Complete all information Oil BOTH sides of this for ❑ COMMERCIAL RESIDENTIAL Description of work: (Check all that apply) El NEW COMMERCIAL STRUCTURE F1 ELECTRICAL SERVICE UPGRADE ❑ COMMERCIAL ROOFING ❑ NEW RESIDENTIAL STRUCTURE RESIDENTIAL ROOFING ❑ COMMERCIAL ADDITION ❑ WINDOW REPLACEMENT ❑ RESDENTIAL ADDITION ❑ COMMERCIAL ACCESSORY STRUCTURE (Garage, shed, deck, etc.) ❑ RESIDENTIAL ACCESSORY STRUCTURE (Garage, shed, deck, etc.) ❑ MECHANICAL SYSTEM/APPLIANCE REPAIR or REPLACEMENT ❑ PLUMBING SYSTEM/APPLIANCE REPAIR or REPLACMENT ❑ ELECTRICAL SYSTEM/APPLIANCE REPAIR or REPLACEMENT ❑ OTHER (Describe) ------- (For ALL projects, please provide -adetailed description of work to be performed, including ze and efficiency, type and proposed uses, square footage, existing condition and proposed new condition, app amount of materials to be used, etc.) ,92f 5e,14rt5 Sq. Ft./LF Btu's Gallons 7 211 Amps _. Squares _ Other Project Value: (Contract value or the cost of all materials and labor included in the entire project) OWN SIGNATURE OF UNDERSTANDING AND AGREEMENT I hereby certify that the setback distances proposed by this permit application are accurate and do not violate applicable ordinanctions rules de oft regulations of die Cin of Wheat Ridge or covenants. easementsprintedonr Ithictapplication dandtthlat 1 aasumelfull sresponsiliown d alll'or compliance rre accurate: that I have read and agree to abide by all condition, p with applicable City of `,Wheat Ridge codes and ordinances for work under any pennit issued based on this application; that I am the legal owner have been authorized by the legal oar rer of the property to perfcxm the described work and am also authorized by the legal owner of any entity included on this application to list chat entity on this applic.Ition. t" the applicant for this building permit application; warrant the truthfulness of the information provided on the application. CIRCLE ONF,: (OWNER) (CONTRACTOR) or (,IUTHORIZED REPRESENTATIVE) of (OWNER) (CONTRACTOR) DATE: Electronic Signature (first and last name): � --- ZONING COMMMENTS: Reviewer. BUILDING DEPARTMENT COMMENTS. Reviewer. OCCUPANCY CLASSIFICATION: Funding DDiIiSion Valuation:___ BUILDING DEPARTMENT (303) 235-2855 CITY OF WHEAT RIDGE * * Correction Notice ~---. --.~- Job Located at ./' ( (<--, cJ 0 I have this day inspected this structure and these premises and have found the following violations of City and/or State laws gov- erning same: I) f:::: ,:7....,1, Atk.rX...r>-'!- ,,,for _P"" cr> /,o~5t- k>o..J/ 2r ,ji/-,..), ~<"'f~_( c^~~~ P. ::fA,l." , 0 ;"'" /P, ,-(' / ;"..., IZ,I A,/' , , ' ( ! ,If -k h of o.k. J 1 You are hereby notified to correct the foregoing violations. When corrections have been made, call for inspection. Date ?/ Z3/61 :! ' ~O NOT REMOVE T~I ~G ,b",'__ FORM WR6-22 Certificate of Completion AND / OR Compliance CITY OF WHEAT RIDGE 7500 W. 29TH AVENUE WHEAT RIDGE, COLORADO 80215 TillS CERTIFICATE VERIFIES THAT THE PROPERTY DESCRIBED BELOW, DOES COMPLY WITH THE WHEAT RIDGE BUILDING CODE, ZONING AND OTHER RELATED LAND USE AND DEVELOPMENT LA WS OF THE CITY OF WHEAT RIDGE FOR THE FOLLOWING PURPOSE. PERMIT # 12054 Single Family Addition OWNER: Juventino Romero ADDRESS: 3775 Jay Street PROPERTY ADDRESS: 3775 Jay St.. Wheat Ridge. CO 80033 DATE 11/19/01 CillEF BUILDING OFFICIAL ZONING ADMINISTRATOR / 5'1- INSPECTIONS WILL NOT E E MADE UNLESS THIS CARD IS POSTED C .- BUILDING SITE 24 HOURS NOTICE REQUi 'lq INSPECTIONS WHEAT RIDGE, COLORADO 7500 WEST 29th AVENUE (303) 234.5933 INSPECTION RECORD JOB ADDRESS 3FfS ~ )alf St I BUILDING PERMIT NO. I dfJ",,) 4 OWNER ~ \IA\H ~\+irl("l 12 [,r,l( [7\ CONTRACTOR ~ SETBACKS FROM PROPERTY LINES: NORTH c;,r: fOO\'" h\d'\,\ DATE ISSUED lj ! 2 ~) fll I TYPE I OCCUPANCY I SOUTH EAST WEST INSPECTOR MUST SIGN ALL SPACES PERTAINING TO THIS JOB INSPECTION DATE INSPECTOR Foundations Footings Caissons Reinforcing or Monolithic Weatherproofing ,A ~ .Ir. .,;, t: POUR No CONCRETE UNTIL ABOVE HAS BEEN SIGNED Concrete Slab Floor: Electrical (Ground Work) Plumbing (Ground Work) Heating (Ground Work) Do NOT POUR FLOOR UNTIL ABOVE HAS BEEN SIGNED Rough Electrical Rough Plumbing Air Test Gas Piping Rough Heating & Ventilation (above must be signed prior to framing inspection) I Framing 0:1'"1 $/~/o'/ I b.? ~ulation , 0)( 6.C: Drywall nailing Roofing Refrigeration Electrical underground Fin I Electrical Plumbin Heatin & Ventilation Frame R.OW. & Drainage Fire Department Parking & Landscaping (I. .~ I'" /{ II It // II c:; OCCUPANCY NOT PERMITTED UNTIL CERTIFICATE OF OCCUPANCY IS ISSUED PROTECT THIS CARD FROM THE WEATHER DEPARTMENT OF PLANNING AND DEVELOPMENT BUILDING INSPECTION DIVISION - 235-2855 CITY OF WHEAT RIDGE 7500 WEST 29TH AVENUE WHEAT RIDGE, CO 80215 Building Permit Number: Date: 4/23/2001 12054 Property Owner: Property Address: 3775 JAY ST Contractor License No, : Company: OWNER/CONTRACTOR SIGNATURE OF UNDERSTANDING AND AGREEMENT Phone: 467-3185 Phone: Construction Value: Permit Fee: Plan Review Fee: Use Tax: $9,000,00 $167.25 $0,00 $225,00 I hereby certify that the setback distances proposed by this permit application are accurate, and do not violate applicable ordinances, rules or regulations of the City of Wheat Ridge or covenants, easements or restrictions of record; that all measurements shown, and allegations made are accurate; that I have read and agree to abide by all conditions printed on this application, and that I assume full responsibility for compliance with the Wheat Ridge Building Code (U.B.C.) and all other applicable Wheat Ridge ordinances, for work under this permit. (OWNER)(CONTRACTOR) SIGNED DATE Total: $392.25 Use' . (:-,-/O? q';I, '/cl(<ufd ' ~ Description: ROOM ADDITION BUILDING DEPARTMENT USE ONLY SIC: Sq, H COMPLIES WI R1-C REGS. ~ Approval: BG 4/23/01 NEED 3RD PLAN SET Approval: Occupancy: Walls: Roof: Stories: Residential Units: Electrical License No : Company: Plumbing License No : Company: Mechanical License No : Company: Expiration Date: Approval: Expiration Date: Approval: Expiration Date: Approval: (4) (5) (5) This permit was issued in accordance with the provisions set forth in yopur application and is subject to the laws of the State of Colorado and to the Zoning Regulations and BUilding Code of Wheat Ridge, Colorado or any other applicable ordinances of the City. This permit shall expire if (A) the work authorized is not commenced within Sixty (60) days from issue date or (B) the building authorized is suspended or abandoned for a period of 120 days. If this permit expires, a new permit may be acquired for a fee of one-half the amount normally required, provided no changes have been or will be made in the original plans and specifications and any suspension or abandonment has not exceeded one (1) year. If changes are made or if suspension or abandonment exceeds one (1) year, full fees shall be paid for a new permit. No work of any manner shall be done that will change the natural flow of water causing a drainage problem. Contractor shall notify the Building Inspector twenty-four (24) hours in advance for all inspections and shall receive written approval on inspection card before proceediing with successive phases of the/.ob. The issu o~r the approval 0 drawings and specifi.cations shall not be construed to be a permit for, nor an approval of, any violation of the provisions ofthe b dl / II;Y othec ocdlnance, law, cule orregulatlon, (1) (2) (3) Chief Building In For Mayor THIS PERMIT VALID ONLY WHEN SIGNED BY THE CHIEF BUILDING INSPECTOR AND MAYOR CALL: 234-593324 HOURS PRIOR TO INSPECTION DEPARTMENT OF PLANNING AND DEVELOPMENT BUILDING INSPECTION LINE - 303-234-5933 CITY OF WHEAT RIDGE 7500 WEST 29TH AVENUE WHEAT RIDGE, CO 80215 - (303-235-2855) A'EElcI~LJON JuuaJfIIJ0 o l'I1e ,0 3776 .3f1y 5T -SLL F Building Permit Number: Date: Property Owner: Property Address: Contractor License No, ' Phone (3o.vf6 7-3/8.s OWNER/CONTRACTOR SIGNATURE OF UNDERSTANDING AND AGREE:MENT Company: Phone: " I hereby certify that the setback distances proposed by this permit aoplicaticn are accurate, and do not violate applicable ordinances, rules or regulations of the City of Wheat Ridge or "covenants, easements or restnctlons of record; that all measurements shown. and allegations made are accurate; that I have read and agree to abi II conditions printed on this aoplication, and that I assume full responsibility f complian with the Wheat Riege Building Code (U.B.C.) and all other applicable Wheat Rii::lg ordina ~~.. For work under this permit. (OWNER)(CONTRACTOR) SIGNED . '" OATEC'/f)z/n / Construction Value: Permit Fee: Use Tax, Total: Use: Description' ~O()M Held ,0.1-- I~ AJ BUILDING DEPARTMENT USE ONLY . LD/ ~!J!!!~9mW~~ \ c.Dffi~\l.Q.s ( R\-~ \RQQS. SIC. Sq Ft.' Approval: 1 I\J,J~__ ) (j / Zoning: R\-~ r/<:~<I ?,d j?~:::,J, . 1:l!l.llallTQI!:tOIIJ!11:l!~~ ~wner / conlractor is responsible for loeating_ I ) lines and constructing im . r--.._"~ Approval: ~/ ), 'S.ftll approved plan and requt.,~~emelnls accordmg 10 the Th C" . eve Opment slan~ 1 ,~, 1 gIDiJfgjJ!'l~omm!lJfW!l e ,~y IS n~t r~sponsible for inaccurate infonnation < U U A roval' submItted Wlth!n the plan set and any constructien PP . errors resulting [:om inaccurate !n[~n:..~!lon. Occupancy: Walls: Roof, Stories, ReSidential Units: Electrical License No : Company: Plumbing License No : Company: Mechanical License No : Company: Expiration Date: Approval: Expiration Date: Approval: Expiration Date: Approval: (1) (2) (3) This permit was issued in accordance with the provisions set forth in yopur application and 1$ subject to the laws of the Slate of Colorado and to the Zoning Regulations and Building COde of Wtleal Ridge. Colorado or any alher, applicable ordinances of the City. This permit shall expIre It (A) the won< authonz.ed 1$ not commenced Wlthrn Sixty (60) days from Issue date or (B) the building authorized is suspended or abandoned for a period of 120 days. If this permit expires. a new permit may be aquired for a fee of one-half the amount I"lOrmally required. proVided no changes have been or will be made In the anginal plans and specifications and any suspenSion or aeandonment has not exceeded one (1) year. If changes are made or it suspension or aeandonment exceeds one (1) year, fuU fees shall be paid ror a new permit. No work of any manner shall ,be done that win change the natural flow of water causing a drainage problem. Contractor shall notify the BUIlding Inspeoor twenty-four (24) hours in advance for all Inspections and shall receive written approl/al on inspection card before proceediing with suc::essive phases of the jOb. The issuance ofa permit or the apProval of drawings and specifications shall not be construed to be a permit for, nor an approval of, any violation of the provisions of the building codes 0 any other Ordinan:e' law, rule or regulation, (4) (5) (6) AFTER RECORDING MAIL TO: UNIVERSAL LENDING CORPORATION 6775 EAST EVANS AVENUE, DENVER, CO 80224 ATTN: SHIPPING DEPARTMENT LOAN NO. 4 2 8 6 5 0 [Space Above This Line For Recording Data] DEED OF TRUST THIS DEED OF TRUST ("Security Instrument") is made on May 6. 1 998 JUVENTINO ROMERO , among the grantor, ("Borrower"), the Public Trustee of J E F FER SON County ("Trustee"), and the beneficiary, AMERICAN FEDERAL LENDING. INC which is organized and existing under the laws of , and whose address is 1 65 0 SOU T H CO LOR ADO B L V D. DEN V E R. COB 0 2 2 2 ("Lender"). Borrower owes Lender the principal sum of One Hundred Seven Thousand Two Hundred Dollars and Zero Cents Dollars (U.S. $ 107 . 200 . 00 ). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ("Note"), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on J u n e 1. 2028 . This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (h) the payment of all other sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the perfonnance of Borrower's covenants and agreements under this Security Instrument and the Note. For this pUlpose, Borrower, in consideration of the debt and the trust herein created, irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in J E F FER SON County, Colorado: THE SOUTH 27 FEET OF THE EAST 125 FEET OF LOT 1 AND THE NORTH 23 FEET OF THE EAST 125 FEET OF LOT 2. CONWAY HEIGHTS. COUNTY OF JEFFERSON. STATE OF COLORADO, which has the address of 3775 JAY STREET [Streetl ("Property Address"); WHEATRIDGE [Cityl Colorado BOO 3 3 [Zip Codel 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 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. COLORADO-SINGLE FAMILY.FNMAIFHLMC UNIFORM INSfRUMENT ISC/CMDTCOIll291/3006(l-9I).L PAGE I OF 6 FORM 3006 1/91 INITIALS