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<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>This is going to read like an exam question…but any help
would be most appreciated…<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>A house sits on two parcels; the property line goes through
the house. The parcels have been owned in common since the house was built in
the 1950s (and probably before). The last owner acquired both parcels in 2005
and took out a loan using both parcels (and the house) as collateral. In 2011,
one of the parcels was sold at a tax sale for delinquent property taxes to a
third party. In 2016, the bank foreclosed on both parcels and obtained and
filed a Trustee Deed listing both parcels. According to the assessor the Bank
owns both properties. Let’s assume that all proper notice and other
requirements have been met.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>A new party wants to buy both parcels from the bank.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>Last fun fact, the tax sale parcel is landlocked.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>1. Did the bank have a right to foreclose on the tax sale parcel?
<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>2. Who owns the tax sale parcel now?<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>3. Will potential new buyer be able to get title insured on
tax sale parcel in a purchase from the bank?<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>4. Any other issues or remedies that come to mind?<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>The facts that the house sits on both parcels and they were
divided by the tax sale, it seems, are very unusual.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>Please feel free to email me directly or call…thanks
so much.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>Eric at dooyemalaw.com <o:p></o:p></span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'> <o:p></o:p></span></font></p>
<p class=MsoNormal><strong><b><i><font size=3 face="Times New Roman"><span
style='font-size:12.0pt;font-style:italic'>Eric J. Dooyema</span></font></i></b></strong><o:p></o:p></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'>Dooyema Law Office<o:p></o:p></span></font></p>
<p class=MsoNormal><st1:Street w:st="on"><st1:address w:st="on"><font size=3
face="Times New Roman"><span style='font-size:12.0pt'>624 W Hastings Rd Suite
12</span></font></st1:address></st1:Street><o:p></o:p></p>
<p class=MsoNormal><st1:place w:st="on"><st1:City w:st="on"><font size=3
face="Times New Roman"><span style='font-size:12.0pt'>Spokane</span></font></st1:City>,
<st1:State w:st="on">WA</st1:State> <st1:PostalCode w:st="on">99218</st1:PostalCode></st1:place><o:p></o:p></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'>509-474-1685 <o:p></o:p></span></font></p>
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face="Times New Roman"><span style='font-size:12.0pt'>
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<p class=MsoNormal><i><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial;font-style:italic'>The information contained in this message
is confidential, protected from disclosure and may be legally privileged. If
the reader of this message is not the intended recipient or an employee or
agent responsible for delivering this message to the intended recipient, you
are hereby notified that any disclosure, distribution, copying, or any action
taken or action omitted in reliance on it, is strictly prohibited and may be
unlawful. If you have received this communication in error, please notify us
immediately by replying to this message and destroy the material in its
entirety, whether in electronic or hard copy format.<o:p></o:p></span></font></i></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'><o:p> </o:p></span></font></p>
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