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<p class="MsoNormal"><span style="color:#1F497D">I think Ray’s right. Practical considerations aside, it appears that, as a technical matter, on the one hand, it has been expressly held that, while a mortgage creates a
<i>lien</i> under Florida law, it does not convey or create any <i>interest</i> in real property,
<i>see, e.g.,</i> <u>Free v. Free</u>, 936 So. 2d 699, 703 (Fla. 5th DCA 2006), <u>
Fuller v. Mortgage Elec. Registration Sys., Inc.</u>, 3:11-CV-1153-J-20MCR, 2012 WL 3733869 (M.D. Fla. 2012), (<i>citing</i>
<u>Southern Colonial Mortg. Co., Inc. v. Medeiros</u>, 347 So.2d 736, 738 (Fla. 4th DCA 1977) (construing then-existing Lien Law §713.13(5), since amended and now renumbered as §713.05(6))), while on the other hand, in
<u>Gesco, Inc. v. Edward L. Nezelek, Inc.</u>, 414 So. 2d 535, 540 (Fla. 4th DCA 1982), the court expressly acknowledged, if in passing, the “mortgagee's security
<i>interest</i> in the real property.”<o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif""> clc-discussion-bounces@lists.flabarrpptl.org [mailto:clc-discussion-bounces@lists.flabarrpptl.org]
<b>On Behalf Of </b>Raymond L. Robinson<br>
<b>Sent:</b> Tuesday, February 05, 2013 2:02 PM<br>
<b>To:</b> Gibbons, Michael; Roberts, Hardy L.; Construction Law Discussion<br>
<b>Subject:</b> Re: [CLC-Discussion] Can a construction lender bond off aconstruction lien?<o:p></o:p></span></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="color:#1F497D">One could make the argument that Florida is considered a “lien” state and case law has held that a mortgage is not a transfer of “interest” in real property and therefore does not need two subscribing witnesses.
Good question though. Let me know if you find the answer.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Book Antiqua","serif";color:#1F497D">
</span><b><i><span style="font-size:12.0pt;font-family:"Book Antiqua","serif";color:#1F497D">Raymond L. Robinson, Esq.<o:p></o:p></span></i></b></p>
<p class="MsoNormal"><b><i><span style="font-family:"Book Antiqua","serif";color:#1F497D"> Office: (305) 662-7618
</span></i></b><b><i><span style="font-size:12.0pt;font-family:"Book Antiqua","serif";color:#1F497D"><o:p></o:p></span></i></b></p>
<p class="MsoNormal"><b><i><span style="font-family:"Book Antiqua","serif";color:#1F497D"> Cell: (305) 632-4384<o:p></o:p></span></i></b></p>
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</span></i></b><b><i><span style="font-family:"Book Antiqua","serif";color:#1F497D"><a href="http://www.rrobinsonlaw.com/"><span style="color:#1F497D">http://www.rrobinsonlaw.com/</span></a> </span></i></b><b><i><span style="font-family:"Century Gothic","sans-serif";color:#1F497D"><o:p></o:p></span></i></b></p>
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Book Antiqua","serif";color:black">Connect with Robinson & Associates, P.A.<o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif""> clc-discussion-bounces@lists.flabarrpptl.org [mailto:clc-discussion-bounces@lists.flabarrpptl.org]
<b>On Behalf Of </b>Gibbons, Michael<br>
<b>Sent:</b> Tuesday, February 05, 2013 12:19 PM<br>
<b>To:</b> 'Roberts, Hardy L.'; 'Construction Law Discussion'<br>
<b>Subject:</b> Re: [CLC-Discussion] Can a construction lender bond off a construction lien?<o:p></o:p></span></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><span style="font-size:12.0pt;font-family:"Times New Roman","serif""><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">Yes. The lender has “an interest” via its mortgage in the real property on which the lien is imposed.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<div>
<p class="MsoNormal" style="text-autospace:none"><b><span style="color:#1F497D">Michael R. Gibbons (<a href="http://lowndes-law.com/our-people/michael-r-gibbons"><span style="color:black">Bio</span></a>)<o:p></o:p></span></b></p>
<p class="MsoNormal" style="text-autospace:none"><b><span style="color:#1F497D">Shareholder</span></b><span style="font-size:10.0pt;color:#1F497D"><o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:10.0pt;color:green">Lowndes, Drosdick, Doster, Kantor & Reed, P.A.<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:10.0pt;color:green">215 N. Eola Drive<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:10.0pt;color:green">Orlando, FL 32801<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:10.0pt;color:green">Phone: 407-418-6378<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:10.0pt;color:green">Fax: 407-843-4444<o:p></o:p></span></p>
<p class="MsoNormal" style="text-align:justify;text-autospace:none"><span style="font-size:10.0pt;color:green">email:
<a href="mailto:michael.gibbons@lowndes-law.com"><span style="color:black">michael.gibbons@lowndes-law.com</span></a><o:p></o:p></span></p>
<p class="MsoNormal" style="text-align:justify;text-autospace:none"><span style="font-size:10.0pt;color:green">website:
<a href="http://www.lowndes-law.com/"><span style="color:black">http://www.lowndes-law.com</span></a><o:p></o:p></span></p>
<p class="MsoNormal" style="text-align:justify;text-autospace:none"><span style="font-size:10.0pt;color:green"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:12.0pt;text-align:justify;text-autospace:none">
<span style="font-size:10.0pt;color:green"> <img border="0" width="93" height="89" id="Picture_x0020_1" src="cid:image009.jpg@01CE03AB.FA075AC0" alt="cid:image009.jpg@01CE03AB.FA075AC0"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
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<div style="border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">
<a href="mailto:clc-discussion-bounces@lists.flabarrpptl.org">clc-discussion-bounces@lists.flabarrpptl.org</a> [<a href="mailto:clc-discussion-bounces@lists.flabarrpptl.org">mailto:clc-discussion-bounces@lists.flabarrpptl.org</a>]
<b>On Behalf Of </b>Roberts, Hardy L.<br>
<b>Sent:</b> Tuesday, February 05, 2013 11:55 AM<br>
<b>To:</b> 'Construction Law Discussion'<br>
<b>Subject:</b> [CLC-Discussion] Can a construction lender bond off a construction lien?<o:p></o:p></span></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Anyone have any thoughts on this?<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:black"><img border="0" width="190" height="53" id="Picture_x0020_10" src="cid:image010.png@01CE03AB.FA075AC0" alt="Carlton Fields"></span></b><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:black"><br>
Hardy L. Roberts</span></b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:black"><br>
Attorney at Law / Board Certified in Construction Law by the Florida Bar<br>
4221 W. Boy Scout Blvd., Ste. 1000<br>
Tampa, Florida 33607-5780 <br>
Direct: 813.229.4105 | Fax: 813.229.4133<br>
<br>
<a href="mailto:hroberts@carltonfields.com">hroberts@carltonfields.com</a> | <a href="http://www.carltonfields.com/">www.carltonfields.com</a>
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<a href="http://www.carltonfields.com/hroberts/">bio</a> | <a href="http://www.carltonfields.com/load.vcf?type=atty&id=49fd8f5b-3f72-45c2-9ca7-83799b9c8b29">
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taxpayer should seek advice from an independent tax advisor with respect to any Federal tax issue(s), transaction(s) or matter(s) addressed, discussed or referenced herein based upon his, her or its particular circumstances. [v4.30]
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