florida homestead exemption act

 

 

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SUMMARY OF FLORIDA LIEN PRIORITIES

 

TYPE OF LIEN/STATUTE

RECORDING REQUIREMENTS

DURATION

PRECAUTIONS

FL Circuit or County Court Money Judgments 55.10 F.S.

Certified Copy in Public Records of County where land located

Recorded before 7/1/87 - 20 years. On/After 7/1/87 - 5 years, renewable for 5 years

 

Foreign Judgments

Same. (Priority on recordation - May differ from date of enforceability)

Same

Same as FL court judgment. (see 55.501 - 509 re-enforcement)

Federal Judgments in favor of private persons 28 USC 1962, 1963

Certified Copy FL Fed. Dist. Ct. Judgment or registered foreign Fed. Ct. Judgment in Public Records of County

Same

Same as FL court judgment

Judgments in favor of U.S. -

28 USC 3201

Same. 713.901 F.S.

Twenty years from recording.

Can be renewed.

Takes priority over purchase money mortgage

Code Enforcement Lien

Chapter 162 F.S.

Certified Copy of Order recorded in Public Records of Court

Twenty years

Lien against all of real and personal property. (e.g. mortgage being assigned.) Check for super priority ordinance. Do not rely on lis pendens to bar

Municipal Liens - Public Utility Bonds Chapter 159 F.S.

Not required to record lien

Until paid

Same priority as ad valorem real estate taxes.

See also Chapter 170 F.S.

Welfare Liens 402.33 F.S.

Certified or uncertified lien recorded in Public Records

As long as named person alive plus three years

Obtain release from Dept. Health & Rehab. Services

Public Defender Liens 27.56 F.S.

Certified or uncertified judgment recorded in Public Records

Same as general judgment

Obtain release from Board of County Commissioners

Restitution Liens 775.089 F.S.

Certified or uncertified judgment recorded in Public Records

Same as general judgment

Attorney Charging Liens

Notice filed in Public Records (Do not ignore even if you do not find court order)

Same duration as 55.10 judgments

Look for these in lawsuits involving disputes as to real property (divorce quiet title, probate, etc.)

Marital & Child Support 61.14 F.S.

Statement of Delinquency from Support Depository recorded in Public Records

If after general judgment, call underwriting

If temporary support order entered, period, call underwriting there may be arrearages in final decree. If a certified copy of final judgment is recorded, a "payoff statement" should be obtained from depository. In that case, call underwriting

Florida Corp. Income Tax

220.813 - 825 F.S.

Notice recorded in Public Records where land located

Twenty years - 95.091 F.S.

State Tax Warrants

213.05 F.S.: various revenue laws

Record warrant in Public Records

Twenty years, unless recorded more than five years prior to 7/1/87

Authority to issue warrants:

213.69 F.S. Also see 210.14 (tobacco) & 443.141(3)(a) (unemployment compensation)

Federal Tax Liens

26 USC 6502 & 6323(g)(3)

Individual: Notice in Public Records where land located and where taxpayer resides

Prior to 11/5/90 - 6 years may be refiled within 6 years and 30 days. Call underwriting if refiled later.

After 11/5/90 - 10 years, may be refiled within 10 years and 30 days.

May be enforced against homestead. Mortgage Assignments - need to check both where land located and where assignor resides. Mortgage optional future advances do not have priority

Corporation, Partnership, Trust, Estate: Notice in Public Records where land located and Florida Secretary of State. See 713.901, F.S.

Same

For Mortgage Assignment - need to check where land located and Florida Secretary of State. Mortgage optional future advances do not have priority

Condominium Assoc. Liens

718.116 F.S.

Record Condo. Docs. in PR’s.

Record Claim of Lien in PR’s.

One year after filing claim of lien unless file suit to foreclose lien

Establish priority: Against owners/ purchasers - from recording condo docs. Against mortgagees - from recording claim of lien. Use ALTA 4.1

Homeowners’ Assoc. Liens

Lien Pursuant to power in recorded restrictive covenants

See covenants. Not equivalent to condo 1 year limitation.

See 95.11(2)(b) F.S.

Obligations contractual. Must review covenants. Use ALTA 5.1

NOTE: Under Florida law, homestead exemption may not be used to shield property from: (1) payment of taxes and assessments thereon; (2) obligations contracted for the purchase, improvement or repair thereof; or (3) obligations contracted for house, field or other labor performed on realty.

 

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