521138R
COMMITMENT FOR TITLE INSURANCE T-7
ISSUED BY
TITLE EVIDENCE (RO)
SCHEDULE A
Effective Date: January 10, 2025 GF No. 521138R
Commitment Issued: January 25, 2025
1. The policy or policies to be issued are:
a. OWNER'S POLICY OF TITLE INSURANCE (Form T-1)
(Not applicable for improved one-to-four family residential real estate)
Policy Amount: 291000.0000
PROPOSED INSURED: April Morgan
b. TEXAS RESIDENTIAL OWNER'S POLICY OF TITLE INSURANCE
ONE-TO-FOUR FAMILY RESIDENCES (Form T-1R)
Policy Amount:
PROPOSED INSURED:
c. LOAN POLICY OF TITLE INSURANCE (Form T-2)
Policy Amount:
PROPOSED INSURED:
Proposed Borrower:
d. TEXAS SHORT FORM RESIDENTIAL LOAN POLICY OF TITLE INSURANCE (Form T-2R)
Policy Amount:
PROPOSED INSURED:
Proposed Borrower:
e. LOAN TITLE POLICY BINDER ON INTERIM CONSTRUCTION LOAN (Form T-13)
Binder Amount:
PROPOSED INSURED:
Proposed Borrower:
f. OTHER
Policy Amount:
PROPOSED INSURED:
2. The interest in the land covered by this Commitment is: Fee Simple & Easement
3. Record title to the land on the Effective Date appears to be vested in:
Alan Morgan and April Albert Morgan
4. Legal description of land:
Tract 1:
That certain piece, parcel or tract of land containing 1.00 acres, being a portion of a called 5.027 acre
tract, described in a deed to Alan Morgan and April Albert Morgan, recorded in Document Number
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2023-000013999, Harrison County Official Public Records (H CO.PR), located within the E.M. Fuller
Survey, A-7, Harrison County, Texas, all as shown on plat of survey prepared by Bowman Consulting,
on file as Job No 381142, which tract is more particularly described as follows, to wit (Bearing Basis:
SPC Texas North Central 4202, NAD83, GRID):
BEGINNING at a point for corner being in a 40” bois d' arc tree, being the northeast corner of this tract
and of said 5.027 acre tract, same being the southeast corner of a called 32 acre tract, described in a
deed to Angel C. Skt Siatib Nbtka Adigun, recorded in Document Number 2021-000012186,
H.C.O.P.R. same being in the west line of a called 2.10 acre tract Lot No. 3, described in a deed to
Loviana Davis, recorded in Volume 882, Page 665, H.C.O.P.R. from which a found 1/2" iron rod at a
cross tie fence post, bears N 02º 20' 00" W, for a distance of 15.74 feet;
THENCE S 02° 40' 04" E, being the east line of this tract and of said 5.027 acre tract, same being the
west line of said Davis tract and the west line of a called 5.00 acre tract, described in a deed to Lorice
Rose, Jr., recorded in Document Number 2020-000013968, H.C.O.P.R, at a distance of 67 26 feet,
passing a found ½” iron rod, being the southwest corner of said Davis tract and the northwest corner of
said Rose tract, for a total distance of 175.42 feet to a ½ iron rod with aplastic cap stamped "Bowman",
set for the southeast corner of this tract, from which a found 1/2" iron rod, being the southeast corner of
said 5.027 acre tract and the southwest corner of said Rose tract, bears S 02° 40' 36" E, for a distance
of 705.14 feet;
THENCE S 88° 47' 04’ W, over and across said 5.027 acre tract, being the south line of this tract, at a
distance of 218.51feet, passing a set 1/2" Iron rod with a plastic cap stamped "Bowman", for a total
distance of 248.41 feet, to a 1/2" iron rod with a plastic cap stamped "Bowman", set for the southwest
corner of this tract and in the west line of said 5.027 acre tract, same being in the east line of a called
32.1 acre. Lot No. 3, described in a deed to Rodney Cory, recorded in Document Number 2023-
000003942, HC O.P.R., from which a set 1/2" iron rod with a plastic cap stamped "Bowman", being the
southwest corner of said 5.027 acre tract and the southeast corner of said Cory tract bears S 02˚ 36'
54" E, for a distance of 705.07 feet;
THENCE N 02° 26' 32" W, being the west line of this tract and of said 5.027 acre tract same being the
east line of said Cory tract, for a distance of 175.44 feet, to a 1/2" iron rod with a plastic cap stamped
"Bowman", set for the northwest corner of this tract and of said 5.027 acre tract same being the
southwest corner of said Adigun tract;
THENCE N 88° 47' 26" E, being the north line of this tract and of said 5.027 acre tract same being the
south line of said Adigun tract, at a distance of 247.33 feet, passing a set 1/2" iron rod at the base of a
40" bois d' arc tree, for a total distance of 248.33 feet, to the POINT OF BEGINNING.
Tract 2:
Proposed Access Easement:
That certain piece, parcel or tract of land, being a proposed 30 foot wide access easement over and
across the residue of a called 5.027 acre tract, described in a deed to Alan Morgan and April Albert
Morgan, recorded in Document Number 2023-000013999, Harrison County Official Public Records
(H.C.O.P.R.), and located within the E.M. Fuller Survey, A-7, Harrison County, Texas, all as shown on
plat of survey prepared by Bowman Consulting Group, on file as Job No. 381142, which tract is more
particularly described as follows, to wit (Bearing Basis: SPC Texas North Central 4202, NAD83, GRID):
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BEGINNING at a 1/2" iron rod with a plastic cap stamped "Bowman", set for the northwest corner of this
tract and of said 5.027 residue tract, same being the southwest corner of a 1.00 acre tract, surveyed
this same date by Bowman Consulting and being in the east line of a called 32.1 acre tract, Lot No. 3,
described in a deed to Rodney Cory, recorded in Document Number 2023-000003942, H.C.O.P.R.,
from which a set ½” iron rod with a plastic cap stamped "Bowman", being northwest corner of said 1.00
acre tract, same being the southwest corner of a called 32 acre tract described in a deed to Angel C Skt
Siatib Nbtka Adigun, recorded in Document Number 2021-000012186, H.C.O P.R.;
THENCE N 88° 47' 04" E, being the north line of this tract and of said 5.027 acre residue tract, same
being the south line of said 1.00 acre tract, for a distance of 29.90 feet, to a 1/2" iron rod with a plastic
cap stamped "Bowman", set for the northeast corner of this tract, from which a set 1/2" iron rod with a
plastic cap stamped "Bowman", being the northeast corner of said 5.027 acre residue tract, same being
in the west line of a called 5.00 acre tract, described in a deed to Lorice Rose, Jr., recorded in
Document Number 2020-000013968, H.C.O.P.R, bears N 88° 47' 04" E, for a distance of 218.51 feet;
THENCE S 02° 37' 08" E, over and across said 5.027 acre residue tract, being the east line of this tract,
for a distance of 705.17 feet, to a 1/2" iron rod with a plastic cap stamped "Bowman", set within the right
of way of Farm to Market 1999, for the southeast corner of this tract, same being in the south line of
said 5.027 acre residue tract, from which a found 1/2" iron rod, being the southeast corner of said 5.027
acre residue tract and the southwest corner of said Rose tract, bears N 88° 47' 17" E, for a distance of
219.22 feet;
THENCE S 88° 51' 49" W, over and across the right of way of Farm to Market Road 1999, being the
south line of this tract and of said 5.027 acre residue tract, for a distance of 29.95 feet, to a 1/2" iron rod
with a plastic cap stamped "Bowman", set for the southwest corner of this tract and of said 5.027 acre
residue tract, same being the southeast corner of said Cory tract;
THENCE N 02° 36' 54" W, being the west line of this tract and of said 5.027-acre residue tract, same
being the east line of said Cory tract, for a distance of 705.07 feet, to the POINT OF BEGINNING.
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COMMITMENT FOR TITLE INSURANCE T-7
ISSUED BY
TITLE EVIDENCE
SCHEDULE B
EXCEPTIONS FROM COVERAGE
In addition to the Exclusions and Conditions and Stipulations, your Policy will not cover loss, costs, attorney's
fees, and expenses resulting from:
1. The following restrictive covenants of record itemized below (We must either insert specific recording
data or delete this exception):
a. THIS EXCEPTION IS HEREBY DELETED IN ITS ENTIRETY
2. Any discrepancies, conflicts, or shortages in area or boundary lines, or any encroachments or
protrusions, or any overlapping of improvements.
3. Homestead or community property or survivorship rights, if any of any spouse of any insured. (Applies
to the Owner Policy only.)
4. Any titles or rights asserted by anyone, including, but not limited to, persons, the public, corporations,
governments or other entities,
a. to tidelands, or lands comprising the shores or beds of navigable or perennial rivers and
streams, lakes, bays, gulfs or oceans, or
b. to lands beyond the line of the harbor or bulkhead lines as established or changed by any
government, or
c. to filled-in lands, or artificial islands, or
d. to statutory water rights, including riparian rights, or
e. to the area extending from the line of mean low tide to the line of vegetation, or the rights of
access to that area or easement along and across that area.
(Applies to the Owner Policy only.)
5. Standby fees, taxes and assessments by any taxing authority for the year 2024, and subsequent years;
and subsequent taxes and assessments by any taxing authority for prior years due to change in land
usage or ownership, but not those taxes or assessments for prior years because of an exemption
granted to a previous owner of the property under Section 11.13, Texas Tax Code, or because of
improvements not assessed for a previous tax year. (If Texas Short Form Residential Mortgagee Policy
of Title Insurance (T-2R) is issued, that policy will substitute "which become due and payable
subsequent to Date of Policy" in lieu of "for the year 2024 and subsequent years.")
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6. The terms and conditions of the documents creating your interest in the land.
7. Materials furnished or labor performed in connection with planned construction before signing and
delivering the lien document described in Schedule A, if the land is part of the homestead of the owner.
(Applies to the Mortgagee Title Policy binder on Interim Construction Loan only, and may be deleted if
satisfactory evidence is furnished to us before a binder is issued.)
8. Liens and leases that affect the title to the land, but that are subordinate to the lien of the insured
mortgage. (Applies to Mortgagee Policy (T-2) only.)
9. The Exceptions from Coverage and Express Insurance in Schedule B of the Texas Short Form
Residential Mortgagee Policy of Title Insurance (T-2R). (Applies to Texas Short Form Residential
Mortgagee Policy of Title Insurance (T-2R) only. Separate exceptions 1 through 8 of this Schedule B do
not apply to the Texas Short Form Residential Mortgagee Policy of Title Insurance (T-2R).
10. The following matters and all terms of the documents creating or offering evidence of the matters (We
must insert matters or delete this exception.):
a. Any and all easements and/or rights of way, visible or otherwise, over and across the property.
b. Any portion of the property herein described which falls within the boundaries of any road or
roadway.
c. No liability is assumed by reason of any encroachment(s) or protrusion(s) of a fence and/or
building(s) into or outside of the boundary lines of the subject property herein described.
d. All leases, grants, exceptions or reservations of coal, lignite, oil, gas and other minerals,
together with all rights, privileges, and immunities relating thereto, appearing in the Public
Records whether listed in Schedule B or not. There may be leases, grants, exceptions or
reservations of mineral interest that are not listed.
e. All leases, grants, exceptions or reservations of the geothermal energy and associated
resources below the surface of the land, together with all rights, privileges, and immunities
relating thereto, appearing in the Public Records whether listed in Schedule B or not. There may
be leases, grants, exceptions or reservations of the geothermal energy and associated
resources below the surface of the land that are not listed.
f. Rights of Parties in Possession (Owner's Policy Only)
g. All terms, conditions, and provisions of that certain Right of Way/Easement from John F. Davis
and Matilda Davis to Southwestern Bell Telephone Company in instrument dated April 15, 1954,
recorded in Volume 433, Page 536, of the Official Public Records of Harrison County, Texas.
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h. All terms, conditions, and provisions of that certain Right of Way/Easement from John F. Davis,
Sr. to Southwestern Electric Power Company, a Corporation in instrument dated September 01,
1964, recorded in Volume 602, Page 440, of the Official Public Records of Harrison County,
Texas.
i. All terms, conditions, and provisions of that certain Right of Way/Easement from John F. Davis,
Sr., et al., to Southwestern Electric Power Company, a Corporation in instrument dated
September 05, 1964, recorded in Volume 606, Page 457, of the Official Public Records of
Harrison County, Texas.
j. All terms, conditions, and provisions of that certain Right of Way/Easement from John F. Davis,
Sr., et al., to Southwestern Electric Power Company, a Corporation in instrument dated
September 01, 1964, recorded in Volume 606, Page 460, of the Official Public Records of
Harrison County, Texas.
k. Oil, Gas and Mineral Lease by and between John F. Davis and wife, Matilda Davis, as Lessor,
and N. W. Saunders, as Lessee, dated March 03, 1948, and recorded in Volume 326, Page 298
and and Release of Oil and Gas Lease, Instrument dated March 29, 1957 and recorded in
Volume 493, Page 339, Official Public Records of Harrison County, Texas. (TITLE TO SAID
INTEREST NOT CHECKED SUBSEQUENT TO DATE OF AFORESAID INSTRUMENT).
l. Oil, Gas and Mineral Lease by and between John F. Davis and wife Matilda Davis, as Lessor,
and Eugene T. Etter, as Lessee, dated December 10, 1958, and recorded in Volume 521, Page
553 and Release of Oil, Gas and Mineral Lease, instrument dated December 31, 163 and
recorded in Volume 594, Page 89, Official Public Records of Harrison County, Texas. (TITLE
TO SAID INTEREST NOT CHECKED SUBSEQUENT TO DATE OF AFORESAID
INSTRUMENT).
m. Oil, Gas and Mineral Lease by and between John F. Davis, Jr., a single man, as Lessor, and
Thomas P. Moore, as Lessee, dated January 24, 1959, and recorded in Volume 524, Page 465
and Release of Oil, Gas and Mineral Lease, Instrument dated January 31, 1964, and recorded
in Volume 595, Page 640, Official Public Records of Harrison County, Texas. (TITLE TO SAID
INTEREST NOT CHECKED SUBSEQUENT TO DATE OF AFORESAID INSTRUMENT).
n. Oil, Gas and Mineral Lease by and between John F. Davis and wife, Matilda Davis, as Lessor,
and Eugene T. Etter, as Lessee, dated December 09, 1965, and recorded in Volume 624, Page
34, Official Public Records of Harrison County, Texas. (TITLE TO SAID INTEREST NOT
CHECKED SUBSEQUENT TO DATE OF AFORESAID INSTRUMENT).
o. Oil, Gas and Mineral Lease by and between John F. Davis and his wife Matilda Davis, as
Lessor, and Globe Operating Company, Inc., as Lessee, dated December 11, 1970, and
recorded in Volume 690, Page 641, Official Public Records of Harrison County, Texas. (TITLE
TO SAID INTEREST NOT CHECKED SUBSEQUENT TO DATE OF AFORESAID
INSTRUMENT).
p. Oil, Gas and Mineral Lease by and between John F. Davis and wife, Matilda Davis, as Lessor,
and B & N Petroleum, as Lessee, dated August 05, 1981, and recorded in Volume 946, Page
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533, Official Public Records of Harrison County, Texas. (TITLE TO SAID INTEREST NOT
CHECKED SUBSEQUENT TO DATE OF AFORESAID INSTRUMENT).
q. Oil, Gas and Mineral Lease by and between John F. Davis and wife, Matilda Davis, as Lessor,
and TXO Production Corp, as Lessee, dated June 21, 1984, and recorded in Volume 1045,
Page 389, Official Public Records of Harrison County, Texas. (TITLE TO SAID INTEREST NOT
CHECKED SUBSEQUENT TO DATE OF AFORESAID INSTRUMENT).
r. Rights or claims, if any, of adjoining property owner(s) in and to that portion of insured property,
lying between fence and the west property lines, as shown on Survey prepared by Mark Henry
Tooke, Registered Professional Land Surveyor No. 6474, dated July 15, 2024.-Tract 1 & 2
s. No liability is assumed by reason of telephone junction box outside of the boundaries of any
apparent recorded easement(s), as shown on a survey dated July 15, 2024, by Mark Henry
Tooke, Registered Professional Land Surveyor No. 6474.-Tract 1
t. No liability is assumed by reason of overhead electric line outside of the boundaries of any
apparent recorded easement(s), as shown on a survey dated July 15, 2024, by Mark Henry
Cooke, Registered Professional Land Surveyor No. 6474.-Tract 2
521138R
COMMITMENT FOR TITLE INSURANCE T-7
ISSUED BY
TITLE EVIDENCE (RO)
SCHEDULE C
Your Policy will not cover loss, costs, attorneys’ fees, and expenses resulting from the following requirements
that will appear as Exceptions in Schedule B of the Policy, unless you dispose of these matters to our
satisfaction, before the date the Policy is issued:
1. Documents creating your title or interest must be approved by us and must be signed, notarized and
filed for record.
2. Satisfactory evidence must be provided that:
a. no person occupying the land claims any interest in that land against the persons named in
paragraph 3 of Schedule A,
b. all standby fees, taxes, assessments and charges against the property have been paid,
c. all improvements or repairs to the property are completed and accepted by the owner, and that
all contractors, sub-contractors, laborers and suppliers have been fully paid, and that no
mechanic's, laborer's or materialmen's liens have attached to the property,
d. there is legal right of access to and from the land,
e. (on a Loan Policy only) restrictions have not been and will not be violated that affect the validity
and priority of the insured mortgage.
3. You must pay the seller or borrower the agreed amount for your property or interest.
4. Any defect, lien or other matter that may affect title to the land or interest insured, that arises or is filed
after the effective date of this Commitment.
5. Payment of any and all taxes now due and payable up to and including the year 2023.
6. Mechanic's and Materialman's Lien Contract by and between April Albert Morgan and Alan Morgan,
wife and husband as Owners, and Brewer Home Center, as Contractor, dated October 21, 2024 and
securing a note in the amount of $292,126.61 as recorded under Clerk’s File No. 2024-000011951,
Official Public Records of Henderson County, Texas; The title company requires a release of the
insured land from this lien. If the release is not provided, this item will appear as an exception on the
policy.
7.
8. Title Company requires (1) a release or (2) transfer of lien from the transferring bank together with
renewal and extension language in the new lien instrument, or (3) renewal and extension language
attached to new lien instrument if Lender owns existing lien, of the insured land from the Deed of Trust
executed by April Albert Morgan and Alan Morgan, wife and husband to Robert McGinnis, Jr., Trustee,
for Carter Federal Credit Union, dated October 21, 2024 and securing a note in the amount of
$292,126.61, as recorded under County Clerk’s File No. 2024-000011952, of Henderson County,
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Texas. If the Title company is not provided any of the above this item will appear on the policy as an
exception to coverage.
9. The following deeds found of record:
10. Deed Type: Warranty Deed
11. Grantors: Flo Davis and Patricklan Mills and Thelma Johnson and Vertlee Bobbie Davis and Louise B.
Davis and Sherman Boone and Danial Urhuhart and Corlette Urguhart and Brenda Boone and Vicki
Boone and Laddi Boone and Jackie Boone and Jeffrey Boone and Patricia Boone and Cassandra
Boone and Tanya Wright and Darnell Davis and Angie Davis
12. Grantees: Alan Morgan and April Albert Morgan
13. Instrument No. 2023-000013999
14. Dated: November 21, 2023
15. Recorded: November 21, 2023
16. Consideration: $10.00
17.
18. Deed Type: Affidavit of Heirship
19. Grantors:John Franklin Davis, deceased
20. Grantees: Patrick Ian Mills, et al.,
21. Instrument No. 2023-000013998
22. Dated: May 22, 2023
23. Recorded: November 21, 2023
24.
25. Deed Type: Warranty Deed
26. Grantors: Matilda Davis, a widow
27. Grantees: Johnetta Mills, Louise B. Davis, Florence Boone, Freeman Davis, Thelma Johnson and
Vertlee B. Davis
28. Instrument No. 7546
29. Dated: July 27, 1993
30. Recorded: August 23, 1993
31. Volume: 1339
32. Page: 550
33.
34. Deed Type: Partition Deed
35. Grantors: Mose Davis, Hartfield, Davis, Jr., Bessie Davis, Minerva Davis Webb, John F. Davis,
Rebecca Davis Henderson, Cora Davis Yarborough, Aaron Davis, Eunice Rose, Lorice Rose, Loyd
Rose and Hendry Rose
36. Grantees: John F. Davis, et al.,
37. Instrument No. 1648-D
38. Dated: April 17, 1947
39. Recorded: April 21, 1947
40. Volume: 310
41. Page: 647
42.
NOTE: Title Search is subject to claims of present occupants; discrepancies in area and boundaries; unpaid bills
for labor or material in connection with repairs or new improvements, unpaid taxes. You agree by accepting this
title report that it is not a guarantee of title. And if a loss occurs, liability hereunder is limited to the actual
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amount paid for said report. This report is not a commitment for title insurance and its’ scope is limited to the
matters shown herein.
