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HomeMy WebLinkAbout9c - Owner's Policy l>k,ji: ~~!Uf :i\;!:;: ~;~. ~ ~, AMERICAN LAND TITLE ASSOCIATION OWNER'S POLICY (10-17-92) (WITH FLORIDA MODIFICATIONS) Policy No. 7210609- 344294 CHICAGO TITLE INSURANCE COMPANY SUBJECT TO THE EXCLUSIONS FROM COVERAGE, THE EXCEPTIONS FROM COVERAGE CONTAINED IN SCHEDULE B AND THE CONDITIONS AND STIPULATIONS, CHICAGO TITLE INSURANCE COMPANY, a Missouri corporation, herein called the Company, insures, as of Date of Policy shown in Schedule A, against loss or damage, not exceeding the Amount of Insurance stated in Schedule A, sustained or incurred by the insured by reason of: I. Title to the estate or interest described in Schedule A being vested other than as stated therein; 2. Any defect in or lien or encumbrance on the title; 3. Unmarketability of the title; 4. Lack of a right of access to and from the land. The Company will also pay the costs, attorneys' fees and expenses incurred in defense of the title, as insured, but only to the extent provided in the Conditions and Stipulations. In Witness Whereof, CHICAGO TITLE INSURANCE COMPANY has caused this policy to be signed and sealed as of the Date of Policy shown in Schedule A, the policy to become valid when countersigned by an authorized signatory. '~ .. .:.1;' 'N. CHICAGO TITLE INSURANCE COMPANY ;/I. frglM) 1r.Y;~ L '"",.m ... ArrEST: ~c -1'1'. Secretary ., :!-o' ;s:,:~ :So ::1i; ,:!t:::lO:. .;S!ij.; '" .~':?-.. ',$::-.~ ..$':~ 'O:;';:f:. 'l:",::,~~.;:"!,:;io,' .;:"i":ir..' 'r:;::.:i4,' ';;:::*' ',o!::'~' ,,o!!:::i;,' ;s:~ :iii,::!>: 8:.)' Reorder Form No. 8218 (Reprinted 10/00) ALTA Owner's Policy (10-17-92) (With Florida Modifications) EXCLUSIONS FROM COVERAGE The following 1Mtte.. ... .xp.....y .xcluded from the coverege of thl. policy .nd the Compeny will not pey loa or de....., costs, ettorneys' .... or .xpenses which .... by ...son of: 1. (.) Any lew, ordlnence or governmentel l'8fiIuletion (Including but not limited to building .nd zoning ...., ordlnence., or l'8fiIu....one) restricting, l'8fiIu= prohibiting or ......ng to (I) the occupency, ...., or enjoyment of the leInd; (II) the cheracter, dI ne or locetion of .ny Improvement now or henteftM .rected on the lend; (III) . ....,..uon In ownership or . cMnge In the dlmenslone or .... of the lend or .ny perceI of which the lend Is or was . pert; or (Iv) .nvIronmentel protection, or the effect of eny vloIetIon of these ...., ordInences or governmentell'8filuletlons, except to the extent thet . notice of the enforcement thereof or . notice of . defect, lien or encumbrence resulting from . vloletion or .11eged vIoIeUon .ffectlng the lend hes been recorded In the public record. .. D... of Policy. (b) Any governmentIII police power not excluded by (.) ebcMt, except to the extent thet . notice of the .X8I'Ciee thereof or. notice of . defect, lien or encumb.-nce resulting from . vioIetIon or eIIeged vIoIIdIon effecting the lend ha been I8COI'CIed In the public records .. ON of Policy. 2. Rights of eminent domeln un.... notice of the exerel.. thereof h.. been recorded In the public record..t D... of Policy, but not excluding from cove.... .ny teldng which hu occurred prior to D... of Policy which would be binding on the rights of . purehuer for velue without knowledge. 3. Defects, Ilene, encumbrllnces, edver8e cl.lms or other m......: (.) creeted, suffered, usumed or egnNlCl to by the Insured cl.tment; (b) not known to the Compeny, not recorded In the public records .. ON of Policy, but known to the Insured cI.lment .nd not disclosed In writing to the Compeny by the Insured c'.lment prior to the d... the Insured clelment beceme .n lneured under thl. policy; (c) resulting In no Iou or demege to the Insured cl.lment; (d) ettechlng or creeted .ubsequent to Dele of Polley; or (e) resulting In Iou or demege which would not heve been su."lned If the In.ured cl.lm.nt hed peld velue for the ...... or In...... Insured by thl. polley. 4. Any cIelm, which ert... out of the tr8nsectIon vesting In the Insured the ...... or Interest Insured by this policy, by reuon of the opetatIon of ...... benkruptcy, ..... Insolvency, or IIml" creditors' rights ...., thet Is besed on: (I) the t..neectlon c...Ung the ...... or In.....t In.ured by thl. polley being deemed . frIIudulent conveyence or frIIudul.nt trensfer; or (II) the trenuctlon c.....ng the ...... or Inte.... Insured by thl. polley being deemed . pme..ntl.. t..nsfer .xcept whe.. the p......n"eI trllnst.r ...ults from the tellu..: . (.) to timely record the Instrument of tren"er; or (b) of such recordetlon to Impert notice to . purehe..r for velue or . Judgment or lien creditor. CONDITIONS AND STIPULATIONS (c) Whenever the Company ehaII have brought en action 9" Interpoeed a defense.. required or permitted by the provIeIons ofthia policy, the Company may pursue any IiIIgatIon to final del8nnlnaIIon by a court of cornpeIent jurII- diction and expreuIy reserves the right, In Ita sole dIecNtIon, to appeal from any 8dvenJe judgment or order. (d) In all cases where this poHcy permits or requires the Company to prole- cute or provide lor the defense of My acIIon or proceeding, the Insured IhaII secure to the Company the right to 10 prosecut8 or provide defense In the action or proceeding, and all appeals therein, and pennit the Company to use, at Ita option, the name of the Insured lor this purpose. Whenever requested by the Company, the Insured, at the Company's expense, ehaII give the Company all reasonable aid (I) In any action or proceeding, securing evidence, obtaining wItne8II8I, prosecuting or defending the action or pr0- ceeding, or efI8ctIng 18tt1ement, and (II) In any 0Iher lawful act which In the opinion of the Company may be necessary or desirable to establish the title to the estate or Interest as Insured. If the Company Is prejudiced by the failure of the Insured to furnish the required cooperation, the Company's obligations to the Insured under the poHcy ehaII termInaIe, including any IIebIIIty or 0bliga- tion to defend, prosecute, or continue any litigation, with regard to the matI8r or matters requiring such cooperation. 1. DEFINITION OF TERMS The following terms when used In this policy meen: (a) "Insured": the Insured nemed In Schedule A, and, subject to any rights or defenses the Company would have had against the nemed Insured, those who succeed to the Intel'8It of the nemed Insured by operation of law as dIIIIngulshed from purchase Including, but not limited to, heirs, distrlbutees, devisees, survivors, personal ~1tatIves, next of kin, or corporate or fiduciary 1UCC88101'1. (b) "Insured claimant": en Insured claiming loss or damage. (c) "knowledge" or "known": actual knowledge, not constructive kn0wl- edge or notice which may be Imputed to en Insured by reason of the public records as defined In this policy or any other records which Impart construc- tive notice of matters affecting the land. (d) "land": the land de8crIbed or referred to In Schedule A, and Improve- ments affixed thereto which by law consIltute ntaI property. The term "land" does not Include any property beyond the Unes of the area described or referred to In Schedule A, nor any right, title, Interest, estate or easement In abutting streets, roads, avenues, alleys, lanes, ways or waterways, but noth- Ing herein shall modify or UmIt the extent to which a right of access to and from the land Is Insured by this policy. (e) "mortgage": mortgage, deed of trust, trust deed, or other security Instrument. (f) "public records": records established under state statutes at Date of FoIIcy lor the purpose of Imparting constructive notice of matters relating to .... property to purchaaers for value and without knowledge. WIth respect to SeclIon 1(a)(lv) of the ExcIuaIona From Coverage, "public records" shall aIIO Include environmental protection liens filed In the records of the clerk of the United States dI8Irlct court for the dlalrlct In which the land Is located. (g) "unmark8tabl1lty of the title": en alleged or apparent matter affecting the title to the land, not excluded or excepted from coverage, which would entltIe a purchaser of the estate or Interest described In Schedule A to be ntIeaIed from the obligation to purehase by virtue of a contractual condition requiring the delivery of marIc8tabIe title. 2. CONTINUATION OF INSURANCE AFTER CONVEYANCE OF TITLE The coverage of this policy 8haII continue in force as of Date of Policy in favor of an insured only 80 long as the Insured retains an estate or Interest In the land, or holds an lndebt8dness secured by a purchase money mortgage given by a purchaser from the Insured, or only 10 long as the Insured shall have liability by reason of covenants of warranty made by the Insured In any transfer or conveyance of the estate or Interest. this policy shall not continue in force in favor of any purehaler from the Insured of either (I) an estate or InteresI in the land, or (Ii) en indebtedness secured by a purchase money mortgage given to the Insured. 3. NOTICE OF CLAIM TO BE GIVEN BY INSURED CLAIMANT The Insured shall notify the Compeny promptly In writing (I) In C8I8 of any litigation as set forth In Section 4(a) below, (Ii) In C8I8 knowledge shall come to an insured hereunder of any claim of litle or intere81 which is adverse to the title to the estate or imerest, as Insured, and which might cause loss or dam- age for which the Company may be liable by virtue of this policy, or (ill) if title to the estate or Interest, as Insured, Is rejected as unmark8table.1f prompt notice shall not be given to the Company, then as to the Insured aU Ilablllty of the Company shall terminate with regard to the matter or matters lor which prompl notice Is required; provided, howeYer, that failure to notify the Company shall In no C8I8 prejudice the rights of any Insured under this policy unless the Compeny shall be prejudiced by the failure and then only to the extant of the preJudice. 4. DEFENSE AND PAOSECUnoN OF ACTIONS; DUTY OF INSURED CLAIMANT TO COOPERATE (a) Upon written request by the Insured and subject to the options c0n- tained In Section 6 of these Conditions and Stipulations, the Compeny, at its own cost and without unreasonable delay, shall provide for the defense of en Insured in litigation in which My third party asserts a claim adverse to the title or Imerest as Insured, but only as to those stated causes of action alleging a defect,lien or encumbrance or other matter Insured against by this policy. The Compeny shall have the right to select counsel of its choice (subject to the right of the Insured to object for reasonable cause) to represent the Insured as to those stated causes of action and shall not be liable for and will not pay the fees of My other counsel. The Company will not pay any fees, costs or expenses Incurred by the Insured In the defense of those causes of action which allege matters not Insured against by this policy. (b) The Compeny shall have the right, at its own cost, to Institute and prosecute any acIIon or proceeding or to do My other act which In Ita opinion may be necessary or desirable to establish the title to the estate or Interest, as Insured, or to prevent or reduce loll or damage to the Insured. The Company may talc8any appropriate action under the terms of this policy, whether or not It shall be liable hereunder, and shall notthentby concede Ilabllity or waive any provision of this policy. If the Company shall exercise Ita rights under this paI8QflIph, It shall do 10 dlligenU'y. 5. PROOF OF LOSS OR DAllAGE In addition to and after the notices required under SectIon 3 of these CondI- tions and Stipulations have been provided the Company, a proof of loll or damage signed and sworn to by the Insured claimant shall be furnished to the Company within 90 days after the Insured claimant shall ascertain the facts giving rise to the loss or damage. The proof of loll or damage shall describe the defect in, or lien or encumbrance on the title, or other matI8r Insured against by this policy which constitutes the basis of loll or damage and shall state, to the extem possible, the basis of calculating the amount of the loll or damage. If the Company is prejudiced by the failure of the Insured claimant to provide the required proof of loll or damage, the Company's obligations to the Insured under the poIlcy shall terminate, Including My IlabIftty or obliga- tion to defend, prosecute, or continue My litigation, with regard to the matter or matters requiring such proof of loss or damage. In addition, the Insured claimant may reasonably be required to submit to examination under oath by any authorized representative of the Company and shall produce lor examination, Inspection and copying, .. such reas0n- able timn and pIacas as may be designated by any authorized representative of the Company, all records, books, ledgers, checks, correspondence and memoranda, whether bearing a date before or after Date of PolIcy, which reasonably pertain to the loss or damage. Further, If requested by any suthor- ized representative of the Company, the insured claimant shall grant Ita per- misslon,ln wrltIng,lor any authorized replesentatlve of the Company to exam- Ine, Inspect and copy all records, books, ledgers, checks, comIIpOI1dence and memoranda In the custody or control of a third party, which reasonably pertain to the loss or damage. A1llntormat1on designated as confidential by the insured claimant provided to the Company pursuant to this SectIon shall not be dlsctosed to others unless, In the reasonable judgment of the C0m- pany, it Is necessary In the administration of the claim. Failure of the Insured claimant to submit for examination under oath, produce other reaaonabIy requested Information or grant permission to 88CUI8 reuonabIy necessary Information from third parties as required In this paragraph shall terminate any Habjlity of the Company under this policy as to that claim. '.OPTIONS TO PAY OR OTHERWISE SETTLE CLAIMS; TERMINATION OF UA8IUTY In C8I8 of a claim under this policy, the Company shall have the following additional options: (a) To PIIy or Tender Payment of the Amount of Insurance. To pay or tender payment of the amoum of Insurance under this policy together with any costs, attorney8' fees and expenses Incurred by the Insured claimant, which were authorized by the Company, up to the time of payment or tender of payment and which the Company is obligated to pey. Upon the exercise by the Company of this option, all liability and obligations to the insured under this policy, other then to mak8 the payment required, ehaII terminate, Including any Ilablllty or obligation to defend, prosec:ubt, or c0n- tinue any litigation, and the policy shaD be surrendered to the Company lor cancellation. (b) To PIIy or 0theI..... Settle WIth PartIes Other then the Insured or WIth the Insured ClaImant. (I) to pay or otherwise settle with other parties lor or In the name of an insured claimant anyclalm insured against under this policy, togeIherwlth any CCI8II, attorney8' fees and expenses Incurred by the Insured cIaIment which were authorized by the Company up to the time of payment and which the Company Is obligated to pay; or (II) to pey or otherwise settle with the Insured claimant the loll or damage provided lor under this policy, together with any costs, attorneys' fees and expenses Incurred by the Insured claimant which went authorized by the Company up to the time of payment and which the Company is obligated to pay. Upon the exercise by the Company of either of the options provided for in paragraphs (b)(i) or (ii), the Company's obligations to the insured under this policy for the claimed loss or damage, other than the payments required 10 be made, shall terminate, including any liability or obligation to defend, prose- cute or continue any litigation. 7. DETERMINATION, EXTENT OF LIABILITY AND COINSURANCE This policy is a contract of indemnity against actual monetary loss or dam- age sustained or incurred by the insured claimant who has suffered loss or damage by reason of matters insured against by this policy and only to the extenl herein described. (a) The liability of the Company under this policy shall not exceed the least of: (i) the Amounl of Insurance stated in Schedule A; or, (ii) the difference between the value of the insured estate or interest as insured and the value of the insured estate or interest subject to the defect, lien or encumbrance insured against by this policy. (b) This plJrllllreph removed In Florida policies. (c) The Company will pay only those costs, attorneys' fees and expenses incurred in accordance with Section 4 of lhese Conditions and Stipulations. 8. APPORTIONMENT If the land described in Schedule A consists of two or more parcels which are not used as a single site, and a loss is established affecting one or more of Ihe parcels but not all, the loss shall be computed and settled on a pro rata basis as if the amount of insurance under this policy was divided pro rata as to the value on Date of Policy of each separate parcel to the whole, exclusive of any improvements made subsequent to Date of Policy, unless a liability or value has otherwise been agreed upon as to each parcel by the Company and the insured at the time of the issuance of this policy and shown by an express statement or by an endorsement attached to this policy. 9. LIMITATION OF LIABILITY (a) lithe Company establishes the title, or removes the alleged defect, lien or encumbrance, or cures the lack of a right of access to or from the land, or cures the claim of unmarketability of title, all as insured, in a reasonably diligent manner by any method, including litigation and the completion of any appeals therefrom, it shall have fully performed its obligations with respect to that matter and shall not be liable for any loss or damage caused thereby. (b) In the event of any litigation, including litigation by the Company or with the Company's consent, the Company shall have no liability for loss or dam- age until there has been a final determination by a court of competent jurisdic- tion, and disposition of all appeals therefrom, adverse to the title as insured. (c) The Company shall not be liable for loss or damage to any insured for liability voluntarily assumed by the insured in settling any claim or suit without the prior written consent of the Company. 10. REDUCTION OF INSURANCE; REDUCTION OR TERMINATION OF LIABILITY All payments under this policy, except payments made for costs, attorneys' fees and expenses, shall reduce the amount of the insurance pro tanto. 11. LIABILITY NONCUMULATIVE It is expressly understood that the amount of insurance under this policy shall be reduced by any amount the Company may pay under any policy insuring a mortgage to which exception is taken in Schedule B or to which the insured has agreed, assumed, or taken subject, or which is hereafter exe- cuted by an insured and which is a charge or lien on the estate or interest described or referred to in Schedule A, and the amount so paid shall be deemed a payment under this policy to the insured owner. 12. PAYMENT OF LOSS (a) No payment shall be made without producing this policy for endorse- ment of the payment unless Ihe policy has been lost or destroyed, in which case proof of loss or destruction shall be furnished to the satisfaction of the Company. (b) When liability and the extenl of loss or damage has been definitely fixed in accordance with these Conditions and Stipulations, the loss or damage shall be payable within 30 days thereafter. 13. SUBROGATION UPON PAYMENT OR SETTLEMENT (a) The Compeny's Right of Subrogation. Whenever the Company shall have settled and paid a claim under this policy, all righl of subrogalion shall vest in the Company unaffected by any act of the insured claimanl. The Company shall be subrogated to and be entitled to all rights and rem8dies which the insured claimanl would have had against any person or property in respect to the claim had this policy not been issued. If requested by Ihe Company, lhe insured claimanl shall transfer to the Company all rights and remedies against any person or property necessary in order to perfect this righl of subrogation. The insured claimanl shall permit the Company to sue, compromise or settle in "the name of the insured claimant and to use the name of the insured claimant in any transection or litigation involving these rights or remedies. If a payment on account of a claim does not fully cover the loss of the insured claimant, the Company shell be subrogated to these rights and reme- dies in the proportion which the Company's payment bears to the whole amount of the loss. If loss should resuh from any act of the insured claimant, as stated above, that act shall not void this policy, but the Company, in that event, shall be required to pay only that part of any losses insured against by this policy which shall exceed the amount, if any, lost to the Company by reason of the impair- ment by the insured claimant of the Company's right of subrogation. (b) The Company's Rights Against Non-Insured Obligors. The Company's right of subrogation against non-insured obligors shall exist and shall include, without limitation, the rights of the" insured to indem- nities, guaranties, other policies of insurance or bonds, notwithstanding any terms or conditions contained in those instruments which provide for subroga- tion rights by reason of this policy. 14. ARBITRATION Unless prohibited by applicable law, arbltretlon pursuant to the Title Insurence Arbltretlon Rules of the American Arbitration Association may be demanded if agreed to by both the Compenyand the Insured. Arbltre. ble matters may Include, but are not limited to, any controversy or claim between the Compeny and the insured arising out of or relating to the polley, any service of the Compeny In connection with Its issuance or the breach of a policy provision or other obligation. Arbltretlon pursuant to this polley and under the Rules In effect on the date the demand for arbltretlon is made or, at the option of the insured, the Rules In effect at Date of Polley shall be binding upon the perties. The award may Include attorneys' fees only if the laws of the state in which the land Is located permit a court to award attorneys' fees to a prevailing peny. Judgment upon the award rendered by the Arbitrator(s) may be entered In any court having Jurisdiction thereof. The law of the situs of the land shall apply to an arbitration under the Title Insurance Arbitration Rules. A copy of the Rules may be obtained from the Company upon request. 15. LIABILITY LIMITED TO THIS POLICY; POLICY ENTIRE CONTRACT (a) This policy together with all endorsements, if any, attached hereto by the Company is the entire policy and contract between the insured and the Com- pany. In interpreting any provision of this policy, this policy shall be construed as a whole. (b) Any claim of loss or damage, whether or not based on negligence, and which arises out of the status of the title to the estate or interest covered hereby or by any action asserting such claim, shall be restricted to this policy. (c) No amendment of or endorsement to this policy can be made except by a writing endorsed hereon or attached hereto signed by either the President, a Vice President, the Secretary, an Assistant Secretary, or validating officer or authorized signatory of the Company. 16. SEVERABILITY In the event any provision of the policy is held invalid or unenforceable under applicable law, the policy shall be deemed not to include that provision and all other provisions shall remain in full force and effect. 17. NOTICES, WHERE SENT All notices required to be given the Company and any statement in writing required to be furnished the Company shall include the number of this policy and shall be addressed to the Company at the issuing office or to: Chicago TItle Insurance Company · Claims Department 171 North Clark Street · Chicago, IlIInlos 60601.3294 In Florida Call 1-800-883-2020 CHICAGO TITLE INSURANCE COMPANY SCHEDULE A OFFICE FILE NUMBER POLICY NUMBER DATE OF POLICY AMOUNT OF INSURANCE 1 2 3 4 79496.004 7210609-344294 February 10, 2006 $ 4,500,000.00 @ 11:46 a. m. 1. Name of Insured: City of Miami Beach, a Florida municipal corporation 2. The estate or interest in the land described herein and which is covered by this policy is: Fee Simple 3. The estate or interest referred to herein is at Date of Policy vested in the insured. As evidenced by that certain Special Warranty Deed dated February 9, 2006, recorded February 10,2006, in Official Records Book 24228, Page 1372, Public Records of Miami-Dade County, Florida. 4. The land herein described is encumbered by the following mortgage or trust deed, and assignments: N.A. 5. The land referred to in this policy is described as follows: See Attached Exhibit "A" This Policy valid only if Schedule B is attached. 457419 l.DOC SCHEDULE B Policy Number: 7210609-344294 This policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses) which arise by reason of: General Exceptions: 1. Encroachments, overlaps, boundary line disputes, or other matters which would be disclosed by an accurate survey and inspection of the premises. 2. Easements, or claims of easements, not shown by the Public Records. Special Exceptions: 3. Taxes and assessments for the year 2006 and subsequent years. 4. Easement in favor of American Telephone and Telegraph Company filed January 23, 1942 in Official Records Book 2214, Page 71. 5. Development Agreement between the City of Miami Beach, Florida (owner) and New World Symphony (Developer) filed September 9, 2004 in Official Records Book 22639, Page 2433. NOTE: All of the recording information contained herein refers to the Public Records of Miami-Dade County, Florida, unless otherwise indicated. TEWCARDENA~ Brian P. Tague,~ . . NOTE: If this schedule is attached to a Loan Policy, junior and subordinate matters, if any, are not reflected herein. NOTE: This policy consists of insert pages labeled Schedule A and B. This Policy is of no force and effect unless both pages are included along with any added pages incorporated by reference. 457419 I.DOC EXHmIT "A" LEGAL DESCRIPTION A part of Section 34, Township 53 South, Range 42 East, being more particular described as follows: Commence at the intersection of the center lines of Meridian Avenue and 1 7th Street, as shown in the Amended Plat of Golf Course Subdivision of the Alton Beach Realty Company, recorded in Plat Book, 6, Page 26, Public Records of Dade County, Florida; thence run South 89 degrees 59' 05" East, along the center line of 17th Street for a distance of 768.52 feet to a point; thence run North 0 degrees 00' 58" West for a distance of 173.38 feet to the Point of Beginning; thence continue along the last described bearing for a distance of 33.12 feet to a point; thence run North 89 degrees 59' 52" East for a distance of 99.24 feet to a point; thence run North 0 degrees 06' 53" West, for a distance of 144.02 feet to a point; thence run North 89 degrees 56' 37" West, for a distance of 195.00 feet to a point of tangency; thence run along the arc of a circular curve concave to the Southeast having a central angle of 50 degrees 06' 23" and a radius of 40.00 feet for a distance of 34.98 feet to a point on intersection with a circular curve which radius bears North 70 degrees 28' 44" East from said point of intersection; thence run along the arc of said curve, which is concave to the Northeast, having a central angle of 30 degrees 40' 19" and a radius of 155.00 feet for a distance of 83.98 feet to a point; thence run South 44 degrees 26' 55" East for a distance of 51.26 feetto a point located on a circular curve which radius bears South 45 degrees 33, 05" West from said point; thence run along the arc of a circular curve, concave to the Southwest having a central angle of 16 degrees 12' 58" and a radius of260.29 feet for a distance of73.67 feet to the Point of Beginning. 457419 l.DOC