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BUSINESS
November 13, 2005
We sold our home in July and it had a ground rent worth $120 a year. The buyer gave us $2,000 to redeem the ground rent at settlement. The company handling the settlement wanted to hold $1,000 for any fees associated with searching and recording the ground rent for 60 years. An original title search for the home and recording monies totaled $230. We were also told we may have to pay an additional amount totaling $5,000 to cover expenses to pay for "fees, recording, searches" etc. We agreed to only $1,000.
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BUSINESS
By JONATHAN AZRAEL | December 18, 2005
In late 2003 we inherited a house from an uncle, which he bought in 1952 with a $90-a-year ground rent. The owner of the ground died last year and his son told us he was the new owner. When I offered to buy the ground for $1,500 last year, I was advised that the previous owner (his late father) had joint ownership with another man whom they have not had contact with in over 20 years. The new owner suggests that I do the research to find the co-owner so we can complete the purchase. I think that should be his responsibility.
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BUSINESS
May 26, 2002
Dear Mr. Azrael, I recently established ownership of my mother's property [after she died] in Baltimore County that has a ground rent from 1953. I've received bills from the owner of the ground to pay the rent. I just paid $90 that I thought was for a full year. I've made a request to the ground owner to purchase the ground outright. The response I received was somewhat confusing. She is requesting that I make [another] payment before she would sell it. She said the cost [of the ground]
BUSINESS
November 13, 2005
We sold our home in July and it had a ground rent worth $120 a year. The buyer gave us $2,000 to redeem the ground rent at settlement. The company handling the settlement wanted to hold $1,000 for any fees associated with searching and recording the ground rent for 60 years. An original title search for the home and recording monies totaled $230. We were also told we may have to pay an additional amount totaling $5,000 to cover expenses to pay for "fees, recording, searches" etc. We agreed to only $1,000.
BUSINESS
By KENNETH HARNEY | June 9, 2002
DID YOU pay too much for title insurance the last time you refinanced? Maybe. No one knows how much American homeowners lose annually by overpaying title premiums when they refinance their mortgages. Even title insurance industry officials admit the problem is substantial. They say some consumers could save 50 percent or more at refinancing if they'd simply memorize two words: "Reissue rate." Use them as a mantra at your next refinance. But what is a reissue rate? The theory is straightforward: When homeowners refinance a few years after purchasing a home, there is no reason they should be charged for a new, full-price, comprehensive title search and insurance coverage.
BUSINESS
By JONATHAN AZRAEL | December 18, 2005
In late 2003 we inherited a house from an uncle, which he bought in 1952 with a $90-a-year ground rent. The owner of the ground died last year and his son told us he was the new owner. When I offered to buy the ground for $1,500 last year, I was advised that the previous owner (his late father) had joint ownership with another man whom they have not had contact with in over 20 years. The new owner suggests that I do the research to find the co-owner so we can complete the purchase. I think that should be his responsibility.
SPORTS
By Glenn P. Graham and Glenn P. Graham,Staff Writer | October 4, 1992
Lost in the shuffle of perennial college football powers like th University of Miami, Florida State and Georgia, lies a small Division I-AA school down south that has won as many national titles in the past decade as those three put together.Starting nose guard Shawn Haralson says Georgia Southern University is "practically in the middle of nowhere." It's in Statesboro, Ga., right off the coast about 40 miles from Savannah.In his four-plus years there, the Westminster High grad has grown to love the area's fishing and hunting, not to mention "the nicest people you can meet in the world."
SPORTS
By Ken Murray and Ken Murray,SUN STAFF | January 26, 2003
SAN DIEGO -- Dogged perseverance will be rewarded tonight. The only question is whose. Will Super Bowl XXXVII be the fulfillment of Rich Gannon's 14-year odyssey, spanning five NFL teams and countless crossroads? Or will it be the culmination of Brad Johnson's nine-year journey through the same jungle with three different teams and a similar number of tribulations? Two quarterbacks, one ring. Destiny waits for one of them at Qualcomm Stadium, where the Oakland Raiders, led by Gannon, chase their fourth Super Bowl championship, and the Tampa Bay Buccaneers, led by Johnson, seek their first.
BUSINESS
By Charles Belfoure and Charles Belfoure,SPECIAL TO THE SUN | June 6, 1999
Kelsey Kruse, raised in the Midwest, had never heard of a ground rent."What the heck is this thing?" she recalled saying when she started house hunting in Baltimore. Although Kruse had rented in the city, she had not been exposed to this real estate oddity. She asked her friends about the impact of a ground rent on buying a house and was reassured that it was no big deal. Just an arcane practice from the old days, they explained.Kruse bought a house on Beech Avenue in Wyman Park in 1989 and has since been paying her $65 yearly ground rent to someone named Mabel on Joppa Road.
BUSINESS
October 31, 2004
Several readers are interested in purchasing their ground rents from the owner. They want to know how the price is determined and what are the steps for purchase. Most ground rents in Maryland may be purchased by the owner of the leasehold property. The legal term is a "redemption" of the ground rent. The price is set by law. For most ground rents, the price is determined by dividing the annual ground rent by 6 percent. For example, the price for a $120 annual ground is $120 divided by .06, or $2,000.
SPORTS
By Ken Murray and Ken Murray,SUN STAFF | January 26, 2003
SAN DIEGO -- Dogged perseverance will be rewarded tonight. The only question is whose. Will Super Bowl XXXVII be the fulfillment of Rich Gannon's 14-year odyssey, spanning five NFL teams and countless crossroads? Or will it be the culmination of Brad Johnson's nine-year journey through the same jungle with three different teams and a similar number of tribulations? Two quarterbacks, one ring. Destiny waits for one of them at Qualcomm Stadium, where the Oakland Raiders, led by Gannon, chase their fourth Super Bowl championship, and the Tampa Bay Buccaneers, led by Johnson, seek their first.
BUSINESS
By KENNETH HARNEY | June 9, 2002
DID YOU pay too much for title insurance the last time you refinanced? Maybe. No one knows how much American homeowners lose annually by overpaying title premiums when they refinance their mortgages. Even title insurance industry officials admit the problem is substantial. They say some consumers could save 50 percent or more at refinancing if they'd simply memorize two words: "Reissue rate." Use them as a mantra at your next refinance. But what is a reissue rate? The theory is straightforward: When homeowners refinance a few years after purchasing a home, there is no reason they should be charged for a new, full-price, comprehensive title search and insurance coverage.
BUSINESS
May 26, 2002
Dear Mr. Azrael, I recently established ownership of my mother's property [after she died] in Baltimore County that has a ground rent from 1953. I've received bills from the owner of the ground to pay the rent. I just paid $90 that I thought was for a full year. I've made a request to the ground owner to purchase the ground outright. The response I received was somewhat confusing. She is requesting that I make [another] payment before she would sell it. She said the cost [of the ground]
SPORTS
By Glenn P. Graham and Glenn P. Graham,Staff Writer | October 4, 1992
Lost in the shuffle of perennial college football powers like th University of Miami, Florida State and Georgia, lies a small Division I-AA school down south that has won as many national titles in the past decade as those three put together.Starting nose guard Shawn Haralson says Georgia Southern University is "practically in the middle of nowhere." It's in Statesboro, Ga., right off the coast about 40 miles from Savannah.In his four-plus years there, the Westminster High grad has grown to love the area's fishing and hunting, not to mention "the nicest people you can meet in the world."
NEWS
By MARY GAIL HARE and MARY GAIL HARE,SUN STAFF | October 10, 1995
With $30,000 promised from the state, Sykesville officials expected to be renovating two aging buildings by now.But the promise hasn't become a reality. The state has attached so many strings to the money, town officials say they might have to write another grant application to pay for the original one.In July, Maryland Historical Trust awarded the town $25,000 to repair a one-room schoolhouse that black students attended for nearly a century, and $5,000 to create a municipal museum out of a century-old building that once was part of Springfield Hospital Center.
BUSINESS
September 1, 2002
The American Land Title Association has released the results of an industry survey showing that title insurers paid approximately $460 million in claims in 2001, compared with $350 million the previous year. These payments were made to compensate insured homeowners for losses they experienced under policies issued to them, or to defend their titles from the claims of others. "The public misperception that title insurers do not pay substantial claims results from a lack of understanding of what title insurance is and how it protects homeowners," said James R. Maher, executive vice president of the association.
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