HomeMy WebLinkAbout15-16345 � . ., CITY OF ZEPHYRHILLS
�� 5335-8TH STREET
� �ss$)�8o-oozo 16345 .,
FENCE PERMIT , `
PERMIT INFORMATION LOCATION INFORMATION
Permit Number: 16345 Address: 6142 16TH ST ��
Permit Type: FENCE ZEPHYRHILLS, FL.
Class of Work: FENCE/NEW Township: Range: Book:
Proposed Use: NOT APPLICABLE Lot(s): Block: Section:
Square Feet: Subdivision: PARK HILL
Est. Value: Parcel Number: 02-26-21-0180-00000-0760
Improv. Cost: 700.00 OWNER INFORMATION
Date Issued: 6/08/2015 Name: PEACOCK, KERI
Total Fees: 40.00 Address: 6142 16TH ST
Amount Paid: 40.00 ZEPHYRHILLS, FL 33542
Date Paid: 6/08/2015 Phone: 813-838-5428
Work Desc: INSTALLATION CHAIN LINK FENCE 79 X4
CONTRACTOR S APPLICATION FEES
HOMEOWNER FENCE 40.00
���n
, �
� -
Ins ections Re uired
FINAL `"
REINSPECTION FEES: Reinspection fees will comply with Florida Statute 553.80 (2)(c)when extra inspection
trips are necessary due to any one of the following reasons: a) wrong address b) condemned work resulting
from faulty construction c) repairs or corrections not made when inspections called d)work not ready for
inspection when called e) permit not posted on job site fl plans not at job site g) work not accessible.
NOTICE: In addition to the requirements of this permit, there may be additional restrictions applicable to this property that
may be found in the public records of this county, and there may be additional permits required from other governmental
entities such as water management, state agencies or federal agencies.
The payment of inspection fees shall be made before any further permits will be issued to the person owning same
Complete Plans, Specifications and Fee Must Accompany Application.
All work shall be performed in accordance with Ci'ty Codes and Ordinances
, ; J-
;, � l
�
CONTRACTOR PERMIT OFFI
PERMIT EXPIRES IN 6 MONTHS WITHOUT APPROVED INSPECTIO
CALL FOR INSPECTION - 8 HOUR NOTICE REQUIRED
PROTECT CARD FROM WEATHER
,r313.78o;aoza City of Zephyrhills Permit Application Fax 813-780-0021
� � Building Deparkment
f%
DateRecetved _ _ � 1t . �- . � . �Phone-ContactforPermlttln ..,.. ...� .......�=--....�._<.. ._.._
,, , •,. .. ;: , ��,.�.-� Q
Owner's.Mame. , ,,� l Owner Phone Number- �'� t�`� � �
y. ,_, •�
� .. " _I,3Yr'.-^'...:.::
Owner's Address � ''�' %�-C�� Owner Phoiie�Nuinber �
Fee Simple Titleholder Name � � Owner Phone Number � �
Fee Simple Tltteholder Address
JOB ADDRESS � �I Y e'�� .� 3°��'�(.c�' LOT# C_w.,�
� �Q .
SUBDIVISION �('U� . �� � PARCEL tD#
(08TAINED FRQM PROPERTY TAX NOTICE)
WORiC PROPOSED NEw CONSTR ADD/AL.T Q SIGN Q C] DEMOL.lSH
e INSTALL 8 REPAIR
PROPOSED USE Q SFR Q CQMM Q QTHER
TYPE OF CONSTRUCTION [� BLOCK �] FRAME � STEEL Q
DESCRIPTION OF WORK C. T'
BUILDING SiZE �� �� $Q FOOTAGE� HEIGHT r__��
�
�B�«"d��r' $ ���� VALUATION OF TOTAL CONSTRUCTION
QEt,ECTRICAI � � AMP SERVICE Q PROGRESS ENERGY [� W.R.E.C.
oP��M�r�� C-- � �3��
QMECHANICAL $ VAI.UATION OF NiECHANICAI tNSTAL�ATION �� �
I QGAS Q £20QFiNG Q SPECIALTY �'� OTHER
FINISHED FLOOR ELEVATIqNS F1.00D ZONE AREA QYES NO
BU1k�DEit COMPAAIY �"`� Ol.���'
SIGNATURE REGISTERED Y/ N FEE CURRE� Y/N
Address License# � �
ELECTRFCIAN COMPANY
SIGNATURE REGISTERED Y/ N FEE CURRE� Y/N
Address License# �- �
PLUMBER � CQMPANY
SIGNATURE REGISTEREp Y/ N FEE CURREn Y/N
Address License# �� �
MECHANlCAL CCiMPANY
SIGNATURE REGISTERED Y/ N FEE CURRE� Y/N
Address License# �� �
OTliER ,C{�MPANY
SIGNATURE REGISTERED Y/ N . FEE CURRE� Y/N
Addres�s LEcense# � I
RESIDENTIAt. Attach(2)Plat Flans;.{2}sets of Buildi�g Plans;(1)set of Energy�Forms;R-0=W Pennl#for naw construction,
Minimum ten(1Q)woricing days aftec_submittal date. Required onsite,ConstrucBon Plans,Stormwater`Plans w/Silt Fence installed,
Sanitary Facilities�&�1..dumpster;Slte Work Pertnit for subdivislansAarge projects ._
C4MNIERClAL Attach(3}comptete sets of Buildirig Plans plus a Life Safety Page;{1}set of Energy Forms.R-Q W Permtt far new construc�on.
Minimum ten(10)working days�after submit�l date. Required ansite,Construction Plans,Stormwater Plans w/Silt Fence installed,
Sanitary Facilides 8�1 dumpstar.Site Wor1c Permit for all new proJects:All commercial requlrements must meat compllance
SIGN 3'ERMlT Attac�i{2}se#s af Engineered Pians.. �
`""'PROPERTY SURVEY required for all NEW construcUon.
Dlreations:
Fill out applicaUan completely.
Owner 8�Contractor sign back of appficatlon,notarized
If over 52500,a Notice of Commencement is rsquired. (AtG upgrades over 5T58p)
" Agent(for the ecinVactor)or Power of Attomey(for the owner)would be someone with notarized letter from owner authorizing same
OVER TFiE GOUNTER PERMFTTING (Front of Apptication Only}
Reroofs If shtngles Sewers Service Upgrades A/G Fences(PIoUSurvey/Footage)
Driveways-M1to#over Caunter if on public roadways..�eeds RQW
�
NOTICE OF DEED RESTRICTIONS: The undersigned understands that this,p�cmit.may be subJect to"deed"restrictions"
which may be:more restrictive than County regulatlons. �The undersigned assumes responsibiUty for comptlance with any
applicable deed restrict(ons.
11NLICEtdSED CONTRACTOFtS AN� CONTRQICTOR ItESRON3IBILITIES: If the owner has hired a contractor or
contractors to undertake work, they may be required:.to be.:ltcensed in accordance.with state.and•local regulations. If the
cont�actor is not Ilcensed as requlred by law, both the owner and contractor-may be,cited for a misdemeanor violation
under state law. If the owner or intended°contractor are uncertain as to what Itcensing.requirements may apply for the
intended work, they are advlsed to contact the P�sco County Bulldtng Inspectlon Dlvision—Llcensfng Section at 727-847-
8009. Furthermore, if the owner has hired a contractor vr contractors, he is advised to have the contractor(s) sign
portions of the "contractor Block° of this applicatton for which they will be responsible. If you, as.the owner stgn as the
co�tractor, that may be an indication that he Is not.properly licensed and is not entitled to permftting privileges in Pasco
� County.
TRANSPORTATION IMPACT/UTILITIES IMPACT'AN�RESOURCE RECOVERY FEES: The undersigned understands
---- that Transgsort�lEon-Impact F��§-and.F2acourse 63�co�sry.Fee�-rmay�apply to-@he con��rucQion-of new+-bulldings, change-of
use in existing buildings, or expansion of ezistirig�buildings, as spec(fied.in Pasco County Ordinance number 89-07 and
90-07, as amended. The undersigned also understands, that such fees,.as�may�be due,:wrill be tden4(fied at the time of
permitting. IQ is further understood that Transpoitation Impact f�ees and Reso�rce Recov.ery Fees must be paid prlor to
receiving � "certificate of occupancy" or flnal power release. :If the project does not involve.a.certificate of occupancy, or
final poweer release, the fees must be pa(d prtor to permit Issuance. FurtherPnore;if Pasco County 1NaterlSewer Impact
fees a�e due, they�must be-paid prior to permit-Issuance-In accordance wtth applicable Pasco County ordinances.
CONSTRUCTION LIEN LAW(Chapter 713, Florlda Statutes, �s amended): If valuation of work is$2,500.00 or more, I
certify that I, the applicant, have-been provided with a copy of the "Florida Construction Lien Law—hlomeowner's
Protection Guide" prepared by the Florida Deparkment of Agric.ulture and ConsumerAffairs. If the appllcant is someone
other than the"owner", I certify that I have.obtained a copy of the"above descrlbed docurr�ent�and.promise in,good faith to
deliver it to the°owner"�p�ior to�commencement.
CONTRACTOR'SIOWNER'3 AFFIDAVIT: I certiry.that all the Information in�thi�appllcatlon is accurate and that all vvork
will�be done in campliance with all appl(cable lauvs regulating construction, zoning and land devetopment. Appllcation is
hereby made to obtatn .a permit to do work arud Onstall�tion as indlcafed: I certify that no work or (nstailation has
commenced pr(or to fssuance of a permit and that ali work will be pertorm�d to meet standards of all laws regulating
� construction, County and City codes, zoning regulations, and land development regulatlons�in the jurlsdiction. I also
Icertify that I understand that the regulations of other government agencies may apply�to the intended work, and that it is
my respons6bility to identify.what.actions I must taFce to be,in.cort�pliance: Such agencles include bwt are.not limited to:
- Department of Environmental Pratection-Cypress.Bayheads, Wetland Areas and Environmentally Sensitive
Lands, Water/Wastewrater"Treatment.
- Southwest Florida Wafer Management .District-VUells, Cypress. Bayheads, Wetland Areas, Altering
� iNatercourses.
� - Arrny Corps of Engineers-Seawalls, Docks, N�vigable WaQerways.
- Department of Health & Rehabilitative Services/Environmental Health Unit-Welis, Wastewrater Treatment,
Septtc Tanks.
- US Environmental Protection Agency-�4sbestos abatement.
- Federal Aviation Authority-Runways.
I understand Qhat the following restrictions apply to the use of flll:�
, - lDse of fill is not allowed in Flood Zone"V"unless expressly permitted.
- If the fill material is to be used in Flood Zone. "A", (t is understood that a drainage plan addressing a
°com ensatin volume" il e
p g w I b submitted at time of permitt(ng which is prepared by a professional engineer
Eicensed by�he State of Florlda.
- if ihe fill material is to be used in Flood Zone "A" ih�connec�ion with.a permitted building using stem wall
construction, I certify that fill�.wlil:be used only.to#111 the area wlthin the stem wall.
- If fill material is to be used in any area, I certify that use. of such flll will not adversely affect adjacent
properties. If use of flll Is found to adversely affect adJacent properties,.the owner may be clted for viofating
the conditions of the buildtng,permit issued under the.attached�permit application, for lots less than one (1)
acre which are elevated by 411t, an engtneered drainage plan Is requtred. .
If I am the AGENT FOR THE OWNER, l,�promise In good faith to Inform the owner of the perrr�itting condit(ons set forth fn
this affidavit prior to commencing construction. I understand th�t � separate perm(t may be requtred for electrical work,
plumbfng, signs, wells, pools, afr condltioning,.ga�, or other installatlons not speciflcally incVuded�in.the application. .A
permit issued shall be construed to be a Iicense to proceed with the work and not as authority to,violate,cancei, alter, or
set aside any provis(ons of the technical codes; nor shall Issuance�of a.permit.prevent the Bulldirig O#flcial from thereafter
requiring a correction.af errors In plans, constructioe�or violations of any codes. Every permit issued shall become invalid
unless the work authorized by such permit�Is-comruienced•withfn six months of permit Issuance, or if work authorized by
the permit is suspended or.abandoned for a period of six�8)months.after the time the�work ts commenced. An extension
may be requested, In writing, from the Building,Official for a perlod.nof to exceed ninety(90) days and will demonstrate
justifiable cause for.the extension. If work ceases_for ninety(90)cons.ecutive.days,..th�)ob is.considered abandoned.
WARNING T� OWNER: YOUR FAILtJRE.TO,R�C.ORD A NATI�E OF�COMMENCEMEMT MAY RESULT IN YOUIt
PAYIIVG TWICE,FOFt IMPROVEMEPITS TO,.YOUR�;PR:OPERTY. I��YO.U��IN��END�TO�OBTAIN��FIPIANCIPIG;�CONSULT
WITH YOUR E:DE O . AN ATTORNEY B FOI�E� ECORD G� OUR� O �C 'OF � � E CE NT
FLORIDA JURA'�(F.S.1 7 - '
OWNER OR 11C3ENT � CONTRACTO •
Sub crlbed and s (or rmed)before me this ub§crlbe and' wom to r flirmed)�before me'tFiis
(���-!� by �L, ���PC�Lo�'�c.- �5�l,� .by����f��"�
V' o is/are personally knovm to.me or has/have pmduced Who Is/are person ly known M me or hasihave produced •
as IdentlBcatlon. as Iden8Bca0on.
/ /�
��'-' ��� Notary Public l �/ ��'�- �� Notary Publlc
"", } 't�+�'�m•• JACQUEL
Co ssl . t���y°%�-. JACQUELI E BOGES Corr�r slon o. :°�4'' �:�: BOGES
:,.; ':.: mission _. •: ' .'
_;� ;a: Expires December 12,2018 �' .QO: Expires December 12,2018
Name of �d f° �'�•70t9 Name of Notary ty nsurence8pp3g5.7p�g
T
f
i �
{'
�I �R
S
DISCLOSIIRE STATEMENT FOR OWNER
CITSI OF ZEPHYRIiILLS BIIILDING DSPARTN�NT
_, �� 1 � "'�G"— have read aad fully understaad aad
agree to the provisioas of this iastrumeat.
The undersigned states aad affirms that he or she is desirous of constructiag,
renovatiag, addiag to or reroofiag his or her own domicile, that he or she
actually occupies, or will occupy by said domicile, and same is aot for
rent, lease or sale. That he or she shall comQly with the following conditions:
1. That the owner and he or she aloae shall act as the builder for all phases of
coastruction.
2. That the owaer will comply with all provisioas of the City of Zephyrhills
ordiaaaces aad codes pertiaent to the buildiag.
3. That ia the event various phases of coastructioa are subcoatracted, he will
engage only properly licensed subcoatractors aad will personally supervise
such work.
4. That ia the eveat the Buildiag Iaspector shall require corrections to be made,
the owaer will assume full respoasibility to iasure they are made, aad upon
completion will call for a reinspection before proceeding with the building.
5. That the owaer shall assume full respoasibility for the constructioa aad will
aot expect supervisioa of his work from the City of Zephyrhills Suilding
Department.
6. That prior to fiaal inspection any additioaal fees, iacluding reinspection
fees, must be paid ia full. A written request from this office ahall
constitute an official aotice to pay additional fees.
7. That the owner shall comply with all City, State aad Fedexal laws in regard to
social security, workman's compensation, lien laws, etc. , where applicable.
8. That the owner shall comply with all the safety codes issued by the Florida
Industrial Commission.
9. State law requires construction to be doae by liceased contractors. You have
applied for a permit under aa exemptioa to that law. The exemptioa allows
you, as the owner of your property, to act as your owa contractor with certaia
restrictions evea though you do aot have a licenae. You must provide direct
onsite supezvision of the coastructioa yourself. You may build or improve a
oae-family or two-family residence or a fasm outbuilding. You may also build
or improve a commercial buildiag, provided your costs do not exceed $75,000.
The buildiag or residence must be for your own use or occupancy. It may aot
be built or substantially improved for sale or lease. If you sell or lease a
buildiag you have built or substantially improved yourself withia 1 year after
the construction is complete, the law will presume that you built or
subetaatially improved if for sale or lease, which is a violation of this
exemption. You may aot hire au ualicensed persoa to act as your contractor or
to aupervise people workiag oa your buildiag. It is your respoasibility to
make sure that people employed by you have liceases required by state law aad
by couaty or municipal liceasiag ordiaaaces. You may aot delegate the
respoasibility for supervising work to a licensed coatractor who is not
liceaeed to perform the work being done. Aay person working on your building
who is aot licensed muBt work under your direct supervision aad must be
employed by you, which meaas that you must deduct F.I.C.A. and withholdiag tax
and provide workers' compensation for that employee, all as prescribed by law.
Your construction must comply with all applicable laws, ordinaaces, buildiag
codes, aad zoaing regulations.
OWNER'S SIGNATURE DATE ��U���
ADDRESS �-
PHONS �
i�1ITNESS PERMIT #
y A. U.S.DEPARTMENT OF AOUSTNG ANLt URBA�V AEVELOPMENT B• `i"1 pE OF LOAN
SETTLEMENTSTATEMENT
Sunstate Title Ageucy,Ine. i. �� z. [�]FMxa 3. �x CONV UNINS.
13937 7th Street
DadeCity,Plorida 33525 a. �vn s. �coxvnvs.
352-557-1IAI faX:352-56?-3830 6.Filcxumbc. 7.LaanNumba
s-sos3a
9.Mongage fns.Case No.
C.NOTE. 77ris form isfurnished to give you a statement ofactual setttement cosu.Amounts paid ta and by the seniement agent are shown Items marked
(poc)were paid autside[he closing. They are shown here for informationai purposes and are not included in the tota(s.
D.Borrower. KERI D PEACOCK,a single person
CATHERINE EVELYN EVERINGIiAIVS,a single persan
E.Sa21er: 405 BOCA CIEGA POII�IT BLVD.S
ST.PETERSBURG,FL.33708
F Lender. ���L R.WIIITE '
6142 16TH STREET
� P��e�, Zephyrhills,Pasco County,Florida 33542
Sec#ion 02,Township 26,Range 21,Lat 16,PARK.FiILL STJBDIVISIdN ITNIT I,Book I4,Page 7d,Pasco
County,Florida
H.Settlement Agent: Sunstate Title Agency,Inc.
Place of Settlement: 134317th Street,Dade City,Florida 33525 Pasco County
I.Settlement Date: June 1,2015 � �
J. 3ummary of Borrawer's Transaction� K, Summary of SeIIer's Transactian
100.Gross Amount Due From Barrower: 400.Grass Amount Due To Seller:
241. Contract Sales Price 82,004.04 40I. Contraee Sales Pciee 8I,Od4.40
102. Personal Pro e 402. Personal Pro eriy
103. Settlement Charges to Borrower line 1400 1,224.00 403.
zoa. aaa.
I05. 405.
�,d.iustmettts for Items Paid b SeAer in Advance: Ad'ustmeuts for Items Paid b Seller in Advance:
iQ6. City t Town Taxes 40b. Ci 1 Town Taxes
107. County!Parish Taxes 407 County/Parish Taxes
108. Assessments 408. Assessments
iQ4. 404.
110. 410.
120. Gross Amount Dae from 73orrawer: $2 224.00 420: Gross Amount Due to Seller: 81 000.00
Z00. Amounts Paid b or in Behalf of Sorrower: 500. Reductions in A�mount Due to Seller:
201. '�e osit/Eamest Mone 501. Excess De osit see instructions
202. Princi al Amount of New Loan 81,000.00 502. Settlement Cbar es to Setler ine 1400) 6,436.03
203. Existin I.oan(s 503 Existin Loan s
204. 504 Pa off of First Mortga e
205 Sd�. Pa off of Secand Ivlortga e
206. SOb.
� Ad'ustments for Items Un aid b Seller: Ad'ustments for Items Un aid b Seller:
210. Ci !Town Taxes 510. Ci t Town Taxes
211. County 1 Parish Taaces Jan 1,2015 thru Ivfay 592.42 511. �ounty!Parisfi Taxes Tan I,2025 t}u�u May 592.42
31,2015 31,2015
212. Assessments 512. Assessments
213. credit far clasing costs from selIer to buyer 2�000.00 513 czedit for closing costs from seller to buyer 2�000.00
er contract er contxact
214 514.
� 220. Total Paid b 1 for Borrower: 83 592.42 520. Total Reductions in Amount Due Seller: 9 028.45
300. Cash at Settlement from/to Borrower: 6Q0. Cash at Settlement to!from Seller:
' 301. Gross Amount due from Borrower(Iine 120 $2,224.04 6dt Gross Amount due ta Setl x{line 420 81,000.00 ,
�i Less Reductions Amount due Seller(line
Ii
302. Less Amount Paid by/for Borrower(line 220) $3,592.42 602. Sx�� 9,028.45
�, 303. Cash'I'o Borrower: $1,368.42 603. �ash To Seller: $71,971.55
�
�
� �
(
HUD-1 May 2fl0�
June 1,2015 11:02 AM
y SetUement Date:June 1,2015 File Number S30530
L. Settlement Charges
700. Total Sales/Broker's Commission: Paid from Paid from
Based on Price $81,000.00 @ 6.00% _ $4,860.00 Borrower's Seller's
Division of Commission as follows Funds at Funds at
701. 2,630.00 to CENTURY 21 BILL Nl'E Settlement ' Settlement
702. 2,230.00 to BERKSHIItE HATHAWAY HOME SERVICES
703. Commission Paid at Settlement 4,860.00
704. transaction fee to BERKSI-IIRE HATHAWAY HOME SERVICES 325.00
800. Items Pa able in Connection with Loan:
801. Loan Ori 'nation Fee
802. Loan Discount
803. A raisal Fee
804 Credit Re ort
805. Lender's Ins ection Fee
806. Mortgage Insurance A lication Fee
807. Assumption Fee
900. Items Re uired b Lender to be Paid in Advance:
901. Daily interest char e from Jun 1,2015 13.3151 /day
902. Mortgage Insurance Premium
903. Hazard Insurance Premium
904. Flood Insurance Premium
905. Winstorm Insurance
1000. Reserves De osited with Lender:
1001. Hazard Insurance
, 1002. MortgageInsurance
1003. Ci Prope Taxes
1004. Coun Pro erty Taxes
1005. Annual Assessments
1006. Flood Insurance
1007. Windstorm Insurance
1100. Title Char es:
I 101. Settlement or Closin Fee to Sunstate Title A enc ,Inc. 200.00 200.00
1102. Abstract or Title Seazch to Sunstate Title A enc ,Inc. 75.00 200.00
1103. Title Examination
1104. Title Insurance Binder
1105. Document Pre aration
1106. No Fees
1107. Attomey Fees
includes above item numbers:
1108. Title Insurance to Sunstate Title Agency,Inc. 25.00 465.75
(includes above item numbers:
1109. Lender's g 1,000.00 Risk Rate Premium: $25.00
Coverage
1110. Owner's g 1,000.00 Risk Rate Premium: $465.75
Coverage
1111. title insurance surchar e to Old Re ublic National Title Insurance Com any " 3,28
1200. Government Recordin and Transfer Char es:
1201. Recording Fees: Deed 18.50 Mort age 40.00 Releases 0.00 58.50
1202. Ci /County Tax/Stamps: Deed 0.00 Mort age 0.00
1203. State Tax/Stam s: Deed 567.00 Mort a e 283.50 283.50 567.00
1204. Intangible Tax to Clerk of the Circuit Court 162.00
� 1205. Obtain and record death cert.to Clerk of the Circuit Court 20.00
1300. Additional Settlement Char es:
1301. Surve
1302. Pest Ins ection
1303. Real Estate Taxes
1304. Mobile Home Transfer
1305. Du licate Title Fee/With Fast Title
1306. UPS/Handlin 3 to/from/ roceeds-wire to Sunstate Title A enc ,Inc. 120.00
1307. Mobile Home RetiremenURecordin Fees
1400. Total Settlement Charges(Enter on line 103,Section J and line 502,Section I� $1,129.00 $6,436.03
I have cazefully reviewed the HUD-1 Settlement Statement and[o the best of my Imowledge and belief,it is a true and accurate statemen[of all receipts an�
disbursements made on my account or by me in this transaction. I fur[her certify[ha[I have rec iv a copy of I Se ement Sta ent.
�� �� �
Boaower. - Seller.
KERID. PEACOCK CATHERINE EVELYN EVE GHAM
The HUD-1 Settlemen[Sta[ement which I have prepazed is a�ue and accura[e accoun[of this hansac[ion. I have caused or will cause the funds to b ' ursed in
accordance with th's sta ement.
Settlemen[Agenh Da[e: June 1,2015
SUNSTATE T1TLE
i WARNING: It is a crime to knowingly make false statements to the United States on this or any other s'unilaz focm.Penalties upon conviction can include a fine or
, imprisonment For details see:Title 18 U.S.Code Section 1001 and SecUOn 1010.
HUD-1 May 2007
May 27,2015 1•15 PM