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Building report

579 St Marks Avenue · Brooklyn · BBL 3012170067 · generated 2026-10-20 · FREE

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Where the penalty points come from

ComponentWhat it coversPoints
Housing codeHPD violations by class, complaints, emergency repairs, litigation, vacate orders, AEP12
Structural & safetyDOB violations, ECB/OATH violations by class0
PestsBedbug filings, failed rodent inspections, rodent 311s0
DisplacementMarshal evictions executed0
GRADE C

A meaningful record of code violations or complaints relative to its peers. More recorded distress than 90% of 1-5-unit residential buildings citywide. The citywide median for 1-5-unit residential buildings is 0 penalty points per 10 units; this building carries 30. In ZIP 11216, 38% of residential buildings hold an A and 19% grade D or F. How grades work

this building
A
C

Among 699,345 1-5-unit residential buildings citywide · left is less recorded distress, right is more

Open with the city right now

Open HPD violations21 total — 1 class C (immediately hazardous), 15 class B, 5 class A. Oldest open since 1988-09-23.

status snapshot refreshed weekly from HPD records

Patterns

No heat or hot-water complaints in the last three years.

No bedbug-infested units reported in the last three years of filings.

What 311 hears from this address

3 service requests in the last three years. Most common: Curb Condition (1) · Noise (1) · Illegal Parking (1).

Filed construction activity

$313,000 in permitted construction work filed since 2016 (4 filings with a declared cost) — a rough measure of how actively the owner maintains the building. Permit costs cover filed construction work only — they do not capture routine maintenance or repairs done without a permit.

Rent-stabilization signals

YesBuilt before 1974 (1931)
NoSix or more residential units (4)
No421-a / J-51 tax benefit on the current tax roll

1 of 3 signals present. Only a partial profile — stabilization is possible but less likely. The definitive answer for any unit: request its rent history from NYS Homes & Community Renewal (free, at hcr.ny.gov).

Registered with HPD — the names behind the building

Registered owner(s)DANIEL GAZAL; SIMON BLITZ
Head officerVICTOR GAZAL
Managing agentP11, LLC
Last registered2020-08-18

as filed by the owner in the building's HPD registration

What the city thinks it's worth

Tax yearCity market valueAssessed value
2025$896,000 $403,200
2026$955,000 $429,750
2027$1,081,000 $486,450

The city's market estimate has risen 21% between tax years 2025 and 2027.

Flood exposure

Not in the FEMA 1%-annual-chance floodplain (2015 preliminary maps).

Not in a hurricane evacuation zone.

Not in the city's stormwater (cloudburst) flood maps under any modeled scenario.

No street-flooding or sewer-backup complaints on record at this address.

Sources: FEMA flood maps (coastal), NYC DEP Stormwater Flood Maps (cloudburst), NYC hurricane evacuation zones, and 311 records for this address.

Getting around

SubwayPark Pl — S · 900 ft straight-line (about a 4-minute walk) · station accessibility: full
Nostrand Av — A C · 0.3 mi straight-line (about an 8-minute walk) · station accessibility: none
BusNearest boarding stop: Bergen St / Bedford Av — B65 · 350 ft
Citi BikeFranklin Ave & St Marks Ave · 450 ft · station location as of 2026-09-23; live availability
School zones (2024–25 map)Elementary: Brooklyn Arts and Science Elementary School
Middle: Ebbets Field Middle School. Confirm with the DOE's school search.

Distances are straight-line, not walking routes. Transit locations from the MTA and Citi Bike, bike facilities from NYC DOT, school zones from the DOE's 2024–25 maps.

Report a problem to 311

579 St Marks Avenue

Heat or hot waterHeat or hot water
Apartment maintenanceApartment maintenance
Bed bugsBed bugs
Residential pestsResidential pests
Rats or miceRats or mice
Anything elseAnything else

3 311 service requests from this address in the last three years.

311 will ask for the address, the apartment if the problem is inside, and what's wrong. Contact details are optional for most complaints; food-poisoning reports can be anonymous. Complaints appear in the city's public 311 data, usually within a day or two, and then in the Live from 311 box on this page.

The landlord's report card

Managed by P11 LLC — 11 buildings, 38 units. Grades across the portfolio: A4 · B2 · C2 · D3. See the whole portfolio

BuildingBoroughUnitsGrade
481 St Marks Avenue BK6 A
61 4 Avenue MN5 C
2 Coenties Slip MN4 D
579 St Marks Avenue BK4 C
115 Albany Avenue BK4 A
995 Bergen Street BK4 B
1459 Pacific Street BK3 D
1357 Bergen Street BK3 B
607A Vanderbilt Avenue BK2 A
1518 Bergen Street BK2 A
40 Water Street MN1 D

Sales, deeds & mortgages

Most recent mortgage recorded against this lot: $305,000 on 2019-01-14 (recorded via MERS, the industry registry; the lender is not named on the record). Face amount at recording — it may have since been paid down, refinanced or satisfied. View the recorded document.

DateRecordAmountPer res. unit
2019-01-14Mortgage $305,000 — from 579 ST. MARKS PLACE, LLC to MERS $305,000
2019-01-14Agreement $500,000 — from 579 ST. MARKS PLACE, LLC to M&T BANK $500,000
2019-01-14Mortgage $995,000 — from 579 ST. MARKS PLACE, LLC to M&T BANK $995,000
2019-01-14Agreement $1,300,000 — from 579 ST. MARKS PLACE, LLC to MERS $1,300,000
2018-10-23Agreement $1,495,000 — from GAZAL, DANIEL; BLITZ, SIMON to M&T BANK $1,495,000
2016-01-14AL&R $2,100,000 — from 579 ST. MARKS PLACE, LLC to M&T BANK $2,100,000
2016-01-14Mortgage $2,100,000 — from 579 ST. MARKS PLACE, LLC to M&T BANK $2,100,000
2007-06-29Mortgage $620,000 — from BLITZ, SIMON; KARAIVANOVA, TEODORA; GAZAL, MICHAEL; GAZAL, VICTOR to MERS $620,000
2007-06-29Deed $775,000 — from AMBROSE , STANLEY to KARAIVANOVA, TEODORA; GAZAL, VICTOR; GAZAL, MICHAEL; BLITZ, SIMON $775,000
2003-08-14Mortgage $170,000 — from WARNER POLLARD, JOYCE to WALL STREET MORTGAGE BANKERS LTD DBA POW $170,000
1986-12-16Mortgage $30,000 — from POLLARD, JOYCE WARNER to GREEN POINT SAVS BANK $30,000

Ten-year activity

1050
8
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
ConstructionHousing & tenantsOwnership & moneyHealth & systems
Show as table
YearConstructionHousing & tenantsOwnership & moneyHealth & systemsTotal
201752018
201800145
201900628
202012014
202104015
202204026
202302024
202404026
202503025
202601023
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The last 12 months — 4 records

DateRecord
2026-10-09Rodent inspection: Passed
2026-05-06HPD class A: (A) § HMC:FILE ANNUAL BEDBUG REPORT IN ACCORDANCE WITH HPD RULE AS DESCRIBED ON THE BACK OF THIS NOTICE OF VIOLATION OR AS DESCRIBED ON HPD
2026-04-07Rodent inspection: Passed
2025-11-19HPD class I: §27-2107 ADM CODE OWNER FAILED TO FILE A VALID REGISTRATION STATEMENT WITH THE DEPARTMENT AS REQUIRED BY ADM CODE §27-2097 AND IS THEREFORE

The full timeline

2026
2026-10-09Rodent inspection: Passed
2026-05-06HPD class A: (A) § HMC:FILE ANNUAL BEDBUG REPORT IN ACCORDANCE WITH HPD RULE AS DESCRIBED ON THE BACK OF THIS NOTICE OF VIOLATION OR AS DESCRIBED ON HPD
2026-04-07Rodent inspection: Passed
2025
2025-11-19HPD class I: §27-2107 ADM CODE OWNER FAILED TO FILE A VALID REGISTRATION STATEMENT WITH THE DEPARTMENT AS REQUIRED BY ADM CODE §27-2097 AND IS THEREFORE
2025-10-06Rodent inspection: Passed
2025-06-22311: Illegal Parking — License Plate Obscured
2025-06-11HPD class A: (A) § HMC:FILE ANNUAL BEDBUG REPORT IN ACCORDANCE WITH HPD RULE AS DESCRIBED ON THE BACK OF THIS NOTICE OF VIOLATION OR AS DESCRIBED ON HPD
2025-04-03Rodent inspection: Passed
2024
2024-11-27HPD class I: §27-2107 ADM CODE OWNER FAILED TO FILE A VALID REGISTRATION STATEMENT WITH THE DEPARTMENT AS REQUIRED BY ADM CODE §27-2097 AND IS THEREFORE
2024-10-10Rodent inspection: Passed
2024-08-17311: Noise - Residential — Loud Music/Party
2024-04-11HPD class A: (A) § HMC:FILE ANNUAL BEDBUG REPORT IN ACCORDANCE WITH HPD RULE AS DESCRIBED ON THE BACK OF THIS NOTICE OF VIOLATION OR AS DESCRIBED ON HPD
2024-04-08311: Curb Condition — Broken Curb
2024-04-03Rodent inspection: Passed
2023
2023-11-20HPD class I: §27-2107 ADM CODE OWNER FAILED TO FILE A VALID REGISTRATION STATEMENT WITH THE DEPARTMENT AS REQUIRED BY ADM CODE §27-2097 AND IS THEREFORE
2023-10-16Rodent inspection: Passed
2023-04-14Rodent inspection: Passed
2023-03-27HPD class A: (A) § HMC:FILE ANNUAL BEDBUG REPORT IN ACCORDANCE WITH HPD RULE AS DESCRIBED ON THE BACK OF THIS NOTICE OF VIOLATION OR AS DESCRIBED ON HPD
2022
2022-11-09HPD class I: §27-2107 ADM CODE OWNER FAILED TO FILE A VALID REGISTRATION STATEMENT WITH THE DEPARTMENT AS REQUIRED BY ADM CODE §27-2097 AND IS THEREFORE
2022-10-18Rodent inspection: Passed
2022-05-30311: Noise - Residential — Loud Music/Party
2022-04-08Rodent inspection: Passed
2022-03-02HPD class I: §27-2107 ADM CODE OWNER FAILED TO FILE A VALID REGISTRATION STATEMENT WITH THE DEPARTMENT AS REQUIRED BY ADM CODE §27-2097 AND IS THEREFORE
2022-03-02HPD class A: (A) § HMC:FILE ANNUAL BEDBUG REPORT IN ACCORDANCE WITH HPD RULE AS DESCRIBED ON THE BACK OF THIS NOTICE OF VIOLATION OR AS DESCRIBED ON HPD
2021
2021-10-30311: Missed Collection — Trash
2021-06-11311: Request Large Bulky Item Collection — Request Large Bulky Item Collection
2021-05-06Rodent inspection: Passed
2021-04-26311: Curb Condition — Broken Curb
2021-04-14311: Curb Condition — Broken Curb
2020
2020-12-21Bedbug filing: 0 infested units
2020-07-13Rodent inspection: Passed
2020-06-19Permit PL — ISSUED
2020-03-11311: New Tree Request — For One Address
2019
2019-09-26Rodent inspection: Passed
2019-04-09Rodent inspection: Passed
2019-01-14TL&R — from M&T BANK to 579 ST. MARKS PLACE, LLC
2019-01-14Mortgage $305,000 — from 579 ST. MARKS PLACE, LLC to MERS$305,000
2019-01-14Mortgage assigned — from M&T BANK to M&T BANK; MERS, AS NOMINEE
2019-01-14Agreement $500,000 — from 579 ST. MARKS PLACE, LLC to M&T BANK$500,000
2019-01-14Mortgage $995,000 — from 579 ST. MARKS PLACE, LLC to M&T BANK$995,000
2019-01-14Agreement $1,300,000 — from 579 ST. MARKS PLACE, LLC to MERS$1,300,000
2018
2018-11-27Rodent inspection: Failed for Rat Activity and Other Reason
2018-10-23Agreement $1,495,000 — from GAZAL, DANIEL; BLITZ, SIMON to M&T BANK$1,495,000
2018-10-10Rodent inspection: Failed for Rat Activity
2018-04-25Rodent inspection: Passed
2018-04-10Rodent inspection: Failed for Other Reason
2017
2017-11-17Rodent inspection: Passed
2017-10-03Permit EW — ISSUED
2017-10-03Permit PL — ISSUED
2017-09-20Permit EW — ISSUED
2017-07-09311: Noise - Residential — Loud Music/Party
2017-07-09311: Noise - Residential — Loud Music/Party
2017-06-13Job filed: ALTERATION 2 APPLICATION TO DO MECHANICAL, PLUMBING AND SPRINKLER WORK. NO CHANGE TO USE, EGRESS OR OCCUPANCY.$118,000
2017-03-31Permit PL — ISSUED
2016
2016-11-03FDNY inspection (STRUC_INT)
2016-08-17Permit EW — ISSUED
2016-08-17Permit EQ — ISSUED
2016-08-17Permit EW — ISSUED
2016-07-28Job filed: STRUCTURAL WORK IN CONJUNCTION WITH ALTERATION 1 APPLICATION WITH APPLICATION NUMBER 320186231. NO CHANGE TO USE, EGRESS OR OCCUPANCY$65,000
2016-07-28Job filed: STRUCTURAL WORK IN CONJUNCTION WITH ALTERATION 1 APPLICATION WITH APPLICATION NUMBER 320186231. NO CHANGE TO USE, EGRESS OR OCCUPANCY$65,000
2016-07-28Job filed: STRUCTURAL WORK IN CONJUNCTION WITH ALTERATION 1 APPLICATION WITH APPLICATION NUMBER 320186231. NO CHANGE TO USE, EGRESS OR OCCUPANCY$65,000
2016-07-02311: Noise - Residential — Loud Music/Party
2016-05-05Permit EQ — ISSUED
2016-04-08Rodent inspection: Passed
2016-01-14AL&R $2,100,000 — from 579 ST. MARKS PLACE, LLC to M&T BANK$2,100,000
2016-01-14Mortgage $2,100,000 — from 579 ST. MARKS PLACE, LLC to M&T BANK$2,100,000
2014
2014-04-07Permit EQ — ISSUED
2014-04-07Permit EW — ISSUED
2014-04-07Permit EW — ISSUED
2013
2013-10-11DOB violation C:
2013-10-09311: General Construction/Plumbing — Vesting Inspection
2013-10-09DOB complaint, category ?
2013-09-24Permit PL — ISSUED
2013-07-03Permit EW — ISSUED
2013-07-03Permit EW — ISSUED
2013-07-03Permit EQ — ISSUED
2013-01-31Mortgage satisfied — from GAZAL, MICHAEL; GAZAL, VICTOR; BLITZ, SIMON; KARAIVANOVA, TEODORA to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS
2012
2012-08-01Permit EW — ISSUED
2012-08-01Permit EQ — ISSUED
2012-08-01Permit EW — ISSUED
2011
2011-10-03311: General Construction/Plumbing — Posted Notice Or Order Removed/Tampered With
2011-10-03DOB complaint, category ?
2011-05-07HPD class B: SECTION 27-2040 ADM CODE PROVIDE ADEQUATE LIGHTING AT OR NEAR THE OUTSIDE OF THE FRONT ENTRANCEWAY OF THE BUILDING AND KEEP SAME BURNING FRO
2011-04-06ZONE — from 579 ST. MARKS PLACE, LLC
2011-04-06CERT — from CHICAGO TITLE INSURANCE COMPANY BY EAST
2011-03-25Deed — from GAZAL, VICTOR; KARAIVANOVA, TEODORA; BLITZ, SIMON; GAZAL, MICHAEL to 579 ST. MARKS PLACE, LLC
2011-03-01Permit EW — RE-ISSUED
2010
2010-07-07Job filed: A2$366,831
2010-07-01311: Street Condition — Failed Street Repair
2010-06-09311: General Construction/Plumbing — Adjacent Buildings Not Protected
2010-06-09DOB complaint, category ?
2010-02-18Permit PL — ISSUED
2010-02-17Permit EW — ISSUED
2009
2009-11-20DOB violation C:
2009-11-20DOB complaint, category ?
2009-10-21DOB violation C:
2009-10-21DOB complaint, category ?
2009-06-19Permit EW — ISSUED
2009-06-02DOB complaint, category ?
2009-05-27DOB complaint, category ?
2009-04-16DOB complaint, category ?
2009-04-16DOB complaint, category ?
2008
2008-08-20Permit EW — ISSUED
2008-06-26Job filed: TO REHABILITATE ENTIRE INTERIOR WORK OF 3 STORY BUILDING WITH PLUMBING JOB. NO CHANGE IN USE, EGRESS OR OCCUPANCY.$105,000
2007
2007-11-03Tenant complaint: HEATING — HEAT RELATED
2007-07-30Mortgage satisfied — from JONES, JOAN; WARNER, JOYCE; NWACHUKWU, JOAN M; GILL, AGNES; WARNER POLLARD, JOYCE to CARVER FEDERAL SAVINGS BANK; CARVER FEDERAL SAVINGS AND LOAN ASSOCIAT
2007-06-29Mortgage $620,000 — from BLITZ, SIMON; KARAIVANOVA, TEODORA; GAZAL, MICHAEL; GAZAL, VICTOR to MERS$620,000
2007-06-29Deed $775,000 — from AMBROSE , STANLEY to KARAIVANOVA, TEODORA; GAZAL, VICTOR; GAZAL, MICHAEL; BLITZ, SIMON$775,000
2007-06-29PAT — from BLITZ, SIMON to ILANA F. DAVIDOV, ESQ.
2007-06-20Mortgage satisfied — from POLLARD, JOYCE WARNER to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS
2004
2004-10-27HPD class B: SECTION 27-2040 ADM CODE PROVIDE ADEQUATE LIGHTING AT OR NEAR THE OUTSIDE OF THE FRONT ENTRANCEWAY OF THE BUILDING AND KEEP SAME BURNING FRO
2004-08-10Mortgage assigned — from DBA POWER EXPRESS; WALL STREET MORTGAGE BANKERS LTD to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS
2003
2003-12-03Tenant complaint: HEATING — HEAT RELATED
2003-12-03Tenant complaint: HEATING — RADIATOR
2003-08-14Mortgage $170,000 — from WARNER POLLARD, JOYCE to WALL STREET MORTGAGE BANKERS LTD DBA POW$170,000
2003-08-14Mortgage satisfied — from WARNER POLLARD, JOYCE to THE GREEN POINT SAVINGS BANK
2002
2002-05-08HPD class B: SECTION 27-2050 ADM CODE SEAL IN OPEN POSITION THE O.S.Y. VALVE OF THE SPRINKLER SYSTEM IN ACCORDANCE WITH THE RULES AND REGULATIONS OF THIS
2002-05-08HPD class B: SECTION 27-2050 ADM CODE PROVIDE A PIECE OF GARDEN HOSE 10 FEET IN LENGTH WITH FEMALE COUPLING AND A 10 QUART PAIL ON PREMISES TO TEST SPRIN
2002-05-08HPD class B: SECTION 27-2050 ADM CODE PROVIDE A PIECE OF GARDEN HOSE 10 FEET IN LENGTH WITH FEMALE COUPLING AND A 10 QUART PAIL ON PREMISES TO TEST SPRIN
1989
1989-01-03HPD class B: D26-11.01, 11.03, 11.05 ADM CODE REMOVE THE ACCUMULATION OF REFUSE AND/OR RUBBISH AND MAINTAIN IN A CLEAN CONDITION THE CELLAR THRU OUT.
1989-01-03HPD class B: SECTION 27-2005 ADM CODE PROPERLY SECURE THE LOOSE BALUSTRADE 1 STY PUBLIC HALL.
1989-01-03HPD class B: SECTION 27-2005 ADM CODE REPLACE WITH NEW THE MISSING BALUSTERS 1 & 2 STY PUBLIC HALL.
1989-01-03HPD class B: D26-10.01, 10.05 ADM CODE ARRANGE AND MAKE SELF-CLOSING THE DOORS ENTRANCE TO BASEMENT APT.
1989-01-03HPD class B: D26-10.01 ADM CODE REPLACE WITH NEW THE BROKEN OR DEFECTIVE MARBLE SADDLE REAR ENTRANCE DOOR TO REAR YARD BASEMENT APT.
1989-01-03HPD class B: D26-10.01 ADM CODE REPLACE WITH NEW THE BROKEN OR DEFECTIVE PAINTED SPRINKLER HEAD 2 STY APT.
1989-01-03HPD class C: D26-10.01 ADM CODE & 309 M/D LAW ABATE THE NUISANCE CONSISTING OF DOUBLE CYLINDER KEY OPERATED LOCK ENTRANCE DOOR 2 STY APT.
1989-01-03HPD class B: D26-10.01, 10.05 ADM CODE REMOVE ALL ENCUMBRANCES CONSISTING OF ROOFING MATERIAL HOUSEHOLD ARTICLE 3 STY PUBLIC HALL SCUTTLE LADDER TO ROOF.
1989-01-03HPD class B: D26-10.01, 10.05 ADM CODE REMOVE ALL ENCUMBRANCES CONSISTING OF HOUSEHOLD ARTICLES BASEMENT PUBLIC HALL THRU OUT.
1989-01-03HPD class B: D26-10.01, 10.05 ADM CODE ARRANGE AND MAKE SELF-CLOSING THE DOORS ENTRANCE 3 STY APT.
1989-01-03HPD class B: SECTION 27-2005 ADM CODE REPLACE WITH NEW THE BROKEN OR DEFECTIVE PAINTED SPRINKLER HEADS 1 STY REAR PUBLIC HALL.
1989-01-03HPD class C: D26-17.10 ADM CODE POST NOTICE, IN FORM APPROVED BY THE DEPARTMENT, STATING THE NAME AND LOCATION OF THE PERSON DESIGNATED BY THE OWNER TO H
1989-01-03HPD class B: D26-10.01, 10.05 ADM CODE ARRANGE AND MAKE SELF-CLOSING THE DOORS BOTTOM CELLAR STAIR ENCLOSURE TO CELLAR.
1988
1988-09-23HPD class B: SECTION 27-2005 ADM CODE REPAIR THE BROKEN OR DEFECTIVE PLASTERED SURFACES AND PAINT IN A UNIFORM COLOR CEILING 3 STY NORTH APT 3R BATHROOM.
1988-09-23HPD class B: SECTION 27-2026 ADM CODE REPAIR BY CLOSING SO AS TO BE GAS TIGHT ALL OPENINGS IN THE WASTELINE WASHBASIN 3 STY NORTH APT 3R BATHROOM. LOCATE
1988-09-23HPD class B: SECTION 27-2026 ADM CODE REPAIR THE LEAKY AND/OR DEFECTIVE FAUCETS WASHBASIN & BATHTUB 3 STY NORTH APT 3R BATHROOM. LOCATED AT APT 3R
1988-09-23HPD class B: SECTION 27-2026 ADM CODE REPAIR THE FLUSHING APPARATUS AND MAINTAIN SAME SO AS TO FLUSH EFFECTIVELY THE WATER CLOSET 3 STY NORTH APT 3R BATH
1988-09-23HPD class B: D26-10.01, 10.05 ADM CODE REMOVE ALL ENCUMBRANCES CONSISTING OF HOUSEHOLD ITEMS 3 STY PUBLIC HALL.
1988-09-23HPD class B: SECTION 27-2005 ADM CODE PROPERLY SECURE THE LOOSE BALUSTRADES ALL STYS PUBLIC HALL STAIRS.
1986
1986-12-16Mortgage $30,000 — from POLLARD, JOYCE WARNER to GREEN POINT SAVS BANK$30,000
1986-12-16Deed — from POLLARD, JOYCE WARNER; THOMPSON, JOAN M; JONES, JOAN M F/K/A; JONES, JOAN A/K/A; NWACHUKWU to POLLARD, JOYCE WARNER
1978
1978-01-27SAGE — from NWACHUKWU JOAN; CARVER FEDL SAVS & LOAN ASSN; JONES JOAN; POLLAR JOYCE W
1978-01-23Deed — from LOGAN AGNES GILL; GILL NORMAN R AS EXECUTOR DEVISEE OF; GILL AGNES to JONES JOAN M; NWACHURWV JOAN M; POLLARD JOYCE W
1978-01-23Mortgage — from JONES JOAN M; POLLARD JOYCE W; NWACHURKWV JOAN M to CARVER FED SAVS & LOAN ASSOC
1971
1971-11-23Deed — from BABB GWENITH to POLLARD JOYCE W; GILL AGNES; JONES JOAN
1971-11-23Mortgage — from POLLAND JOYCE W; JONES JOAN; GILL AGNES to CARVER FEDL SAVS & LOAN ASSN

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