AMERICAN GENERAL HOME EQUITY, INC., APPELLANT,
v.
COUNTRYWIDE HOME LOANS, INC., ETC., ET AL., APPELLEES
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American General Home Equity appeals a summary judgment determining that its mortgage on property was inferior to Countrywide Home Loans' mortgage. The court affirmed, holding that the quit claim deed conveying title to American's mortgagor was defective because it lacked the required two subscribing witnesses under Florida law, thus failing to convey title.
A deed lacking two subscribing witnesses cannot convey title under Florida Statute § 689.01. The quit claim deed to Pack was defective because it had only one subscribing witness and a notary's acknowledgment, which does not establish the notary's status as a second subscribing witness. Therefore, Countrywide's mortgage is superior to American's mortgage.
[1] A deed lacking the two subscribing witnesses required by Florida law is insufficient to convey title.
[2] The mere existence of a notary's acknowledgment on an instrument does not create a presumption that the notary also served as a subscribing witness.
Previewing 2 of 5 headnotes on this case. FLexlaw’s editorially structured points of law — every proposition, pinpointed — are reserved for members.
Join FLexlaw to unlock all legal intelligence“Section 689.01 requires that an interest in land be conveyed "by instrument in writing, signed in the presence of two subscribing witnesses by the party ... conveying ... such ... interest ..." The statute specifically provides that a conveyance may not be accomplished "in any other manner."”
Establishes the mandatory statutory requirement for conveyances of real property interests in Florida
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Join FLexlaw to unlock all legal intelligenceThe Hartleys conveyed property to David Ferguson on August 18, 1998. Ferguson executed a quit claim deed to Yvette Pack (recorded August 24, 1998) and…
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American General Home Equity, Inc. appeals from a partial final summary judgment which determined that its mortgage was inferior to a mortgage held by Coun trywide Home Loans, Inc. on the same property. American General argues that there are genuine issues of material fact which preclude entry of summary judgment. We disagree and affirm.
The record shows that on August 18, 1998, the Hartleys conveyed the subject property in Tángelo Park, Orange County, Florida, to David Ferguson. On August 20, 1998, Ferguson executed a quit claim deed, attempting to convey the property to Yvette Pack. It was recorded on August 24, 1998. On September 11, 1998, Ferguson executed a warranty deed conveying the same property to Paul White. This deed was recorded September 22, 1998.
Thereafter, both White and Pack obtained mortgage loans on the same property. White obtained a mortgage from Countrywide in the amount of $52,197 and the mortgage was recorded on September 22,1998. Pack obtained a mortgage in the amount of $18,238.83 from American, on October 26, 1998. The mortgage was recorded the following day.
About a year later, Countrywide filed suit to foreclose White’s mortgage. Countrywide named American as a defendant as it may claim some interest in the property subject to the mortgage. American answered and counterclaimed to foreclose Pack’s mortgage.
Countrywide moved for partial summary judgment, arguing that the quit claim deed from Ferguson to Pack was defective because it was not signed by two subscribing witnesses as required by Florida law. Thus the quit claim deed was insufficient to convey title to Pack. The trial court entered partial summary judgment in favor of Countrywide, on that ground.
Section 689.01 requires that an interest in land be conveyed “by instrument in writing, signed in the presence of two subscribing witnesses by the party ... conveying ... such ... interest ...” The statute specifically provides that a conveyance may not be accomplished “in any other manner.” Thus a deed which lacks two subscribing witnesses is insufficient to convey title. Walker v. City of Jacksonville, 360 So. 2d 52 (Fla. 1st DCA 1978); Santos v. Bogh, 334 So. 2d 833 (Fla. 3d DCA), cert. denied, 341 So. 2d 293 (Fla.1976).
A “subscribing witness” is defined as:
He who witnesses or attests the signature of a party to an instrument, and in testimony thereof subscrbes his own name to the document. C ne who sees a writing executed, or hears it acknowledged, and at the request of the party thereupon signs his name as a witness. (emphasis added)
Black’s Law Dictionary.
American agues that there is a question of fact in this case as to whether the deed to Pack had the required two subscribing witnesses. The quit claim deed from Ferguson to Pack has three signatures: the grantor (Ferguson), a witness, and a notary. In opposition to the summary judgment proceeding, American filed and recorded an affidavit executed by the notary to the Pack deed which states he saw Ferguson sign the deed, but he does not say he also signed it in his capacity as a witness.
While a notary may also serve as a witness, the mere existence of an acknowledgment on an instrument raises no presumption that the notary was a witness. Nor is the mere existence of the acknowledgment proof that the notary was a witness. Walker. See also Santos (rejecting argument that acknowledgment which included statement that the grantor was known to be the person subscribed in and who executed the deed meant that the notary’s signature to the acknowledgment could be regarded as that of a second subscribing witness). We find nothing in the notary’s affidavit which establishes or raises a question of fact that he was the second subscribing witness. We find Medina v. Orange County, 147 So. 2d 556 (Fla. 2d DCA 1962) has no application to this case, because in that case the notary actually signed the deed as a witness after originally notarizing it.
Since there was only one subscribing witness to the Pack deed, it failed to convey title to Pack. Thus Countrywide’s interest is clearly superior to any interest American may have, and at this point, American appears to have no valid mortgage interest in the subject property.
AFFIRMED.
HARRIS, J., and ORFINGER, M., Senior Judge, concur.
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Cook v. State, 813 So. 2d 1010 (Fla. 1st DCA 2002)…transaction, unless the offenses [*1012] require identical elements of proof, the offenses are degrees of the same offense, or the offenses are lesser included offenses the elements of which are subsumed by the greater offense. See Grubbs v. State, 769 So. 2d 508 (Fla. 5th DCA 2000)(holding that, in the conviction and sentencing for criminal offenses committed in the course of one criminal episode, it is the intent of the legislature that there be a separate conviction and sentence for each criminal offense,…
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Paris v. Joseph, 329 So. 3d 775 (Fla. 4th DCA 2021)…rmining that the notary did not count as one of two subscribing witnesses required to transfer real property via quitclaim deed, where notary did not sign deed as a subscribing witness); Am. Gen. Home Equity, Inc. v. Countrywide Home Loans, Inc., 769 So. 2d 508, 509 (Fla. 5th DCA 2000) (determining that “nothing in the notary’s affidavit . . . establishes or raises a question of fact that he was the second subscribing witness”); Santos v. Bogh, 334 So. 2d 833, 833 (Fla. 3d DCA 1976) (rejecting the argum…
Authorities Cited
- M. Lucius Walker et ux. v. City OF Jacksonville, 360 So. 2d 52 (Fla. 1st DCA 1978)
- Medina v. Orange Cnty. (Fla. 2d DCA 1992)
- Santos v. Bogh, 334 So. 2d 833 (Fla. 3d DCA 1976)