2023-08-17 V. A. #23-010-TRC, Exhibit 1, Rubin Commitment REV * * *
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Old Republic National Title Insurance Company
151 Southhall Lane Suite#250
Maitland,Florida 32751
AMERICAN LAND TITLE ASSOCIATION COMMITMENT
Revised Date: November 08,2022 11:41 am
Transaction Identification Data for reference only:
Issuing Agent: Al,TA Universal ID: Commitment Number: Issuing Office File Number:
HB Title,Inc 2022-15892
Issuing Office: I Number: Revision Number: Property Address:
2285 W.Eau Gallic Blvd I
Melbourne,FL 32935 Okeechobee,FL 34974
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This page is only a part of a 2016 ALTA Commitment for 10le Insurance.This Commitment is not valid without the Notice;the Commitment to Issue Policy;the Commitment Conditions;
Schedule A:Schedule B,Pan 1-Requirements:and Schedule B,Part II-Exceptions.
ORT Form 4690 FL 8-I-I6
ALTA Commitment for Title Insurance with Florida Modifications
FILE NO.: 22105568
SCHEDULE A
FILE NO.: 22105568 NV Examiner-Nicholas Valdes nvaldes@oldrepublictitle.com
1. Commitment Effective Date: September 30,2022 at 5:00pm
2. Policy to be issued:
(a) ALTA 2006 OWNER'S POLICY Proposed Policy Amount:
(with Florida Modifications) $1,900,000.00
Proposed Insured:
Holiday Builders,Inc.,a Florida corporation
(b) ALTA 2006 LOAN POLICY Proposed Policy Amount:
(with Florida Modifications) N/A
Proposed Insured:
N/A
3. The estate or interest in the Land described or referred to in this Commitment is Fee Simple.
4. Title to the estate or interest in the Land is at the Commitment Date vested in:
David Michael Rubin and Okeechobee Lots LLC,a Florida limited liability company,as their interests may
appear(as to Parcels 1-15);
Okeechobee Lots,LLC,a Florida limited liability company,and David O.Hamrick and H.G. Culbreth,as
Co-Trustees of that Trust under the Last Will and Testament of Richard Ellis Hamrick dated August 5, 1978,
and Okeechobee County,a body corporate under the laws of the State of Florida,as their interest may appear
(as to Parcel 16)
This page is only a part of a 2016 ALTA Commitment for Title Insurance.This Commitment is not valid without the Notice;the Commitment to Issue Policy;the Commitment Conditions;
Schedule A;Schedule B,Part!-Requirements;and Schedule B,Part II-Exceptions.
ORT Form 4690 FL 8I-16
ALTA Commitment for Title Insurance with Florida Modifications
FILE NO.: 22105568
5. The Land is described as follows:
Parcel 1:
Lots 1 through 13,Block 4,Town of Okeechobee,according to the map or plat thereof as recorded in Plat
Book 2,Page 17,Public Records of St.Lucie County,Florida and recorded in Plat Book 1,Page 10 and Plat
Book 5,Page 5,Public Records of Okeechobee County,Florida.
Parcel 2:
Lots 13 through 26, Block 4,Town of Okeechobee,according to the map or plat thereof as recorded in Plat
Book 2,Page 17,Public Records of St.Lucie County,Florida and recorded in Plat Book 1,Page 10 and Plat
Book 5,Page 5, Public Records of Okeechobee County,Florida.
Parcel 3:
Lots 1 through 13,Block 13,Town of Okeechobee,according to the map or plat thereof as recorded in Plat
Book 2,Page 17,Public Records of St.Lucie County,Florida and recorded in Plat Book 1,Page 10 and Plat
Book 5,Page 5,Public Records of Okeechobee County,Florida.
Parcel 4:
Lots 14,through 26,Block 13,Town of Okeechobee,according to the map or plat thereof as recorded in Plat
Book 2,Page 17,Public Records of St.Lucie County,Florida and recorded in Plat Book 1,Page 10 and Plat
Book 5,Page 5,Public Records of Okeechobee County,Florida.
Parel 5:
Lots 1 through 10, Block 12,Town of Okeechobee,according to the map or plat thereof as recorded in Plat
Book 2,Page 17,Public Records of St. Lucie County,Florida and recorded in Plat Book 1,Page 10 and Plat
Book 5,Page 5,Public Records of Okeechobee County,Florida.
Parcel 6:
Lots 11 through 16,Block 12,Town of Okeechobee,according to the map or plat thereof as recorded in Plat
Book 2, Page 17,Public Records of St.Lucie County,Florida and recorded in Plat Book 1,Page 10 and Plat
Book 5,Page 5,Public Records of Okeechobee County,Florida.
Parcel 7:
Lots 17 through 26,Block 12,Town of Okeechobee,according to the map or plat thereof as recorded in Plat
Book 2,Page 17,Public Records of St. Lucie County,Florida and recorded in Plat Book 1,Page 10 and Plat
Book 5,Page 5, Public Records of Okeechobee County,Florida.
Parcel 8:
Lots 1 through 6. Block 11,Town of Okeechobee,according to the map or plat thereof as recorded in Plat
Book 2,Page 17,Public Records of St. Lucie County,Florida and recorded in Plat Book 1,Page 10 and Plat
Book 5,Page 5,Public Records of Okeechobee County,Florida.
This page is only a part of a 2016 ALTA Commitment for Title Insurance.This Commitment is not valid without the Notice;the Commitment to Issue Policy;the Commitment Conditions;
Schedule A;Schedule B,Part I-Requirements;and Schedule B,Part II-Exceptions.
ORT Form 4690 FL 8-1-16
ALTA Commitment for Title Insurance with Florida Modifications
FILE NO.: 22105568
Parcel 9:
Lots 1 through 6,Block 22,Town of Okeechobee,according to the map or plat thereof as recorded in Plat
Book 2,Page 17,Public Records of St.Lucie County,Florida and recorded in Plat Book 1, Page 10 and Plat
Book 5,Page 5,Public Records of Okeechobee County,Florida.
Parcel 10:
Lots 1,2 and 3,Block 21,Town of Okeechobee,according to the map or plat thereof as recorded in Plat Book
2,Page 17,Public Records of St.Lucie County,Florida and recorded in Plat Book 1,Page 10 and Plat Book 5,
Page 5,Public Records of Okeechobee County,Florida.
Parcel 11:
Lots 9 and 10,Block 21, LESS the East 32.50 feet of said Lot 9,Town of Okeechobee,according to the map
or plat thereof as recorded in Plat Book 2,Page 17,Public Records of St.Lucie County,Florida and recorded
in Plat Book 1,Page 10 and Plat Book 5,Page 5,Public Records of Okeechobee County,Florida.
Parcel 12:
Lots 11 through 16,Block 21,Town of Okeechobee,according to the map or plat thereof as recorded in Plat
Book 2,Page 17,Public Records of St.Lucie County,Florida and recorded in Plat Book 1,Page 10 and Plat
Book 5,Page 5,Public Records of Okeechobee County,Florida.
Parcel 13:
Lots 17 through 26,Block 21,Town of Okeechobee,according to the map or plat thereof as recorded in Plat
Book 2,Page 17,Public Records of St.Lucie County,Florida and recorded in Plat Book 1,Page 10 and Plat
Book 5,Page 5,Public Records of Okeechobee County,Florida.
Parcel 14:
Lots 1 through 13,Block 20,Town of Okeechobee,according to the map or plat thereof as recorded in Plat
Book 2,Page 17,Public Records of St.Lucie County,Florida and recorded in Plat Book 1, Page 10 and Plat
Book 5,Page 5,Public Records of Okeechobee County,Florida.
Parcel 15:
Lots 14 through 26,Block 20,Town of Okeechobee,according to the map or plat thereof as recorded in Plat
Book 2,Page 17,Public Records of St.Lucie County,Florida and recorded in Plat Book 1,Page 10 and Plat
Book 5,Page 5,Public Records of Okeechobee County, Florida.
Parcel 16:
All the Alleyways in Block 4,and all the Alleyways in Block 12,and all the Alleyways in Block 13,and all
the Alleyways in Block 20,and all the Alleyways in Block 21,all in Town of Okeechobee,according to the
map or plat thereof as recorded in Plat Book 2,Page 17,of the Public Records of St. Lucie County, Florida and
recorded in Plat Book 1,Page 10,and Plat Book 5,Page 5,of the Public Records of Okeechobee County,
Florida.
This page is only a part of a 2016 ALTA Commitment for Title Insurance.This Commitment is not valid without the Notice;the Commitment to Issue Policy:the Commitment Conditions;
Schedule A;Schedule B,Part I-Requirements;and Schedule B,Part/I-Exceptions.
ORT Form 4690 FL 8-1-16
ALTA Commitment for Title Insurance with Florida Modifications
FILE NO.: 22105568
Issued through the Office of:
HB Title,Inc
2285 W.Eau Gallie Blvd
Melbourne,FL 32935
Phone: 321-610-5915
Authorized Signature
This page is only a part of a 2016 ALTA Commitment for Title Insurance.This Commitment is not valid without the Notice;the Commitment to Issue Policy;the Commitment Conditions;
Schedule A;Schedule B,Part I-Requirements;and Schedule B,Part II-Exceptions.
ORT Form 4690 FL 8-1-16
ALTA Commitment for Tide Insurance with Florida Modifications
FILE NO.: 22105568
SCHEDULE B-I
AMERICAN LAND TITLE ASSOCIATION COMMITMENT
Requirements
All of the following Requirements must be met:
1. The Proposed Insured must notify the Company in writing of the name of any party not referred to in this
Commitment who will obtain an interest in the Land or who will make a loan on the Land. The Company may
then make additional Requirements or Exceptions.
2. Pay the agreed amount for the estate or interest to be insured.
3. Pay the premiums,fees,and charges for the Policy to the Company.
4. Documents satisfactory to the Company that convey the Title or create the Mortgage to be insured, or both,must
be properly authorized,executed,delivered,and recorded in the Public Records.
5. Deed from David Michael Rubin,joined by spouse if married,or include non-homestead language to
Okeechobee Lots LLC,a Florida limited liability company to clear title due to the incorrect execution and
acknowledgment contained in that certain Quit Claim Deed recorded in O.R. Book 815, Page 663,Public
Records of Okeechobee County,Florida.(as to Parcels 1-15)
6. Warranty Deed from Okeechobee Lots LLC,a Florida limited liability company to the proposed insured. (as to
Parcel 1-16)
i)The agent must
(1) Determine that Okeechobee Lots LLC is in good standing in the state of Florida;and
(2) Establish that the person(s)executing the deed or mortgage to be issued are authorized by law to
execute said instruments on behalf of the company.
7. Evidence satisfactory to the company must be furnished showing proof of the legal existence of Holiday
Builders, Inc., a Florida corporation.
8. Obtain written authorization from the company to issue the commitment if the amount of the policy or policies
to be issued exceeds your agency limits.
9. Provide a satisfactory Owner's Affidavit of Possession and No Liens. Said affidavit,when properly executed
at closing by the seller(s)or mortgagor(s)herein will serve to delete the standard lien and possession
exceptions for the policy(ies)to be issued.
NOTE: No open mortgage(s)were found of record. Agent must confirm with the owner that the property
is free and clear.
This page is only a part of a 2016 ALTA Commitment for Title Insurance.This Commitment is not valid without the Notice;the Commitment to Issue Policy;the Commitment Conditions;
Schedule A;Schedule B,Part!-Requirements;and Schedule B,Part I!-Exceptions.
ORT Form 4690 FL 8-1-16
ALTA Commitment for Title Insurance with Florida Modifications
FILE NO.: 22105568
10. Warranty Deed from David O.Hamrick and H.G.Culbreth as Co-Trustees of that Trust under the Last Will
and Testament of Richard Ellis Hamrick dated August 5, 1978, to the proposed insured.Note 1: If the Trustee
(Grantor)has a beneficial interest in the trust assets and/or subject land is homestead property,the Grantor
must join in the execution of said deed"individually,as a single person or joined by spouse,if married,and as
Trustee of the Trust". If this is not the case then the deed should recite"Trustee(Grantor)does not have a
beneficial interest in the trust assets and subject land is not homestead property"(please provide address).
Note 2: Provided the Trustee(s)named in Schedule A,herein is/are the grantor(s)on the deed and they are the
current Trustees of the Trust,a Trust Certificate(pursuant to F.S.736.1017)is not required,as powers
contained in the Vesting Deed are sufficient to convey,protect,sell,encumber or otherwise manage Trust
property.
Note:This Deed is required because Insite Development GRP,LLC,a Florida limited liability company was
not in existence at the time title was acquired in 2010 by Quit Claim Deed recorded October 6,2010,in
Official Records Book 692,Page 212 and Official Records Book 692, Page 214,of the Public Records of
Okeechobee County,Florida. (as to Parcel 16)
11. A proper resolution of the Board of County Commissioners of Okeechobee County,Florida,vacating all public
rights of way lying within the lands described in Schedule"A"hereof must be filed of record.(as to Parcel 16)
NOTE: All recording references in this commitment/policy shall refer to the Public Records of Okeechobee
County,unless otherwise noted.
SCHEDULE B SECTION II IS CONTINUED ON AN ADDED PAGE
This page is only a part of a 2016 ALTA Commitment for Title Insurance.This Commitment is not valid without the Notice;the Commitment to Issue Policy;the Commitment Conditions;
Schedule A;Schedule B,Part!-Requirements:and Schedule B,Part!!-Exceptions.
ORT Form 4690 FL 8-1-16
ALTA Commitment for Title Insurance with Florida Modifications
FILE NO.:22105568
SCHEDULE B-H
AMERICAN LAND TITLE ASSOCIATION COMMITMENT
Exceptions
THIS COMMITMENT DOES NOT REPUBLISH ANY COVENANT,CONDITION,RESTRICTION,OR
LIMITATION CONTAINED IN ANY DOCUMENT REFERRED TO IN THIS COMMITMENT TO THE EXTENT
THAT THE SPECIFIC COVENANT,CONDITION,RESTRICTION,OR LIMITATION VIOLATES STATE OR
FEDERAL LAW BASED ON RACE,COLOR,RELIGION,SEX,SEXUAL ORIENTATION,GENDER IDENTITY,
HANDICAP,FAMILIAL STATUS,OR NATIONAL ORIGIN.
The Policy will not insure against loss or damage resulting from the terms and provisions of any lease or easement
identified in Schedule A,and will include the following Exceptions unless cleared to the satisfaction of the Company:
1. Defects,liens,encumbrances,adverse claims or other matters,if any created,first appearing in the public records
or attaching subsequent to the effective date hereof but prior to the date the proposed Insured acquires for value of
record the estate or interest or mortgage thereon covered by this Commitment.
2. Facts which would be disclosed by an accurate and comprehensive survey of the premises herein described.
3. Rights or claims of parties in possession.
4. Construction, Mechanic's, Contractors' or Materialmen's lien claims, if any, where no notice thereof appears of
record.
5. Easements or claims of easements not shown by the public records.
6. General or special taxes and assessments required to be paid in the year 2022 and subsequent years.
7. Dedications and other matters contained on the plat of Town of Okeechobee,as recorded in Plat Book 2,
Page 17,Public Records of St.Lucie County,Florida and recorded in Plat Book 1,Page 10 and Plat Book 5,
Page 5,Public Records of Okeechobee County,Florida.
8. Utility Easement and Resolution recorded in O.R.Book 229,Page 524,Public Records of Okeechobee
County,Florida.(as to Parcels 6 and 12)
9. Assignment of Certain Rights recorded in O.R. Book 302,Page 638,Public Records of Okeechobee County,
Florida.
10. Assignment of Development Rights recorded in O.R. Book 519,Page 117, Public Records of Okeechobee
County,Florida.
11. Grant of Easement recorded in O.R.Book 551,Page 740,Public Records of Okeechobee County,Florida.
(as to Parcels 14 and 15)
12. Lift Pump Station contained in Corporate Warranty Deed recorded in O.R.Book 551,Page 737,as affected
by Corrective Corporate Warranty Deed recorded in O.R. Book 601,Page 1773,Public Records of
Okeechobee County,Florida.(as to Parcels 14 and 15)
This page is only a part of a 2016 ALTA Commitment for Title Insurance.This Commitment is not valid without the Notice;the Commitment to Issue Policy;the Commitment Conditions;
Schedule A;Schedule B,Part!-Requirements;and Schedule B,Part II-Exceptions.
ORT Form 4690 FL 8-1-16
ALTA Commitment for Title Insurance with Florida Modifications
FILE NO.:22105568
13. Easement recorded in O.R.Book 614,Page 242,Public Records of Okeechobee County,Florida. (as to
Parcels 10, 11, 12 and 13)
14. Covenants,conditions,right of reversion and other matters contained in Ordinance No.971 recorded in O.R.
Book 624,Page 871,Ordinance No. 1106 recorded in O.R.Book 739,Page 1895 and Ordinance No. 1106
recorded in O.R. Book 739,Page 1728,Public Records of Okeechobee County, Florida.
15. Notice of Environmental Resource or Surface Water Management Permit recorded in O.R. Book 656, Page
957,Public Records of Okeechobee County, Florida.
16. Assignment of Rights and Agreements Affecting Real Estate recorded in O.R.Book 726,Page 1970, Public
Records of Okeechobee County,Florida.
17. Any lien provided by County Ordinance or by Ch. 159,F.S.,in favor of any city,town,village or port
authority,for unpaid service charges for services by any water systems,sewer systems or gas systems
serving the land described herein;and any lien for waste fees in favor of any county or municipality.
18. Resolution recorded in Official Records Book , Page ,of the Public Records of Okeechobee
County,FLorida.Note: The company reserves the right to make necessary changes upon review of said
Resolution.
19. Terms and conditions of any existing unrecorded lease(s),and all rights of lessee(s)and any parties claiming
through the lessee(s)under the lease(s).
Parcel 1:Taxes for 2021 are PAID-Gross amount of$326.08-Tax ID No.3-15-37-35-0010-00040-0010
Parcel 2:Taxes for 2021 are PAID-Gross amount of$326.08-Tax ID No.3-15-37-35-0010-00040-0140
Parcel 3:Taxes for 2021 are PAID-Gross amount of$560.17-Tax ID No.3-15-37-35-0010-00130-0010
Parcel 4: Taxes for 2021 are PAID-Gross amount of$560.17-Tax ID No.3-15-37-35-0010-00130-0140
Parcel 5:Taxes for 2021 are PAID-Gross amount of$428.49-Tax ID No.3-15-37-35-0010-00120-0010
Parcel 6:Taxes for 2021 are PAID-Gross amount of$330.63 -Tax ID No.3-15-37-35-0010-00120-0110
Parcel 7:Taxes for 2021 are PAID-Gross amount of$749.84-Tax ID No.3-15-37-35-0010-00120-0170
Parcel 8: Taxes for 2021 are PAID-Gross amount of$460.88-Tax ID No.3-15-37-35-0010-00110-0010
Parcel 9: Taxes for 2021 are PAID-Gross amount of$460.88-Tax ID No.3-15-37-35-0010-00220-0010
Parcel 10:Taxes for 2021 are PAID-Gross amount of$219.46-Tax ID No.3-15-37-35-0010-00210-0010
Parcel 11: Taxes for 2021 are PAID-Gross amount of$91.44-Tax ID No.3-15-37-35-0010-00210-0100
Parcel 12: Taxes for 2021 are PAID-Gross amount of$330.63 -Tax ID No.3-15-37-35-0010-00210-0110
Parcel 13: Taxes for 2021 are PAID-Gross amount of$522.55-Tax ID No.3-15-37-35-0010-00210-0170
Parcel 14: Taxes for 2021 are PAID-Gross amount of$654.23 -Tax ID No.3-15-37-35-0010-00200-0010
Parcel 15: Taxes for 2021 are PAID-Gross amount of$654.23 -Tax ID No. 3-15-37-35-0010-00200-0140
Note: The following is for informational purposes only and will not appear in the policy to be issued: The
following deed(s)affecting the land described in Schedule A hereof cover a minimum twenty-four month
period prior to the effective date of this commitment: O.R. Book 807,Page 724;O.R.Book 815,Page 663
This page is only a part of a 2016 ALTA Commitment for Title Insurance.This Commitment is not valid without the Notice;the Commitment to Issue Policy;the Commitment Conditions;
Schedule A;Schedule B,Part I-Requirements;and Schedule B,Part II-Exceptions.
ORT Form 4690 FL 8-1-16
ALTA Commitment for Title Insurance with Florida Modifications