Florida Statute 697.2 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XL
REAL AND PERSONAL PROPERTY

Chapter 697
INSTRUMENTS DEEMED MORTGAGES AND THE NATURE OF A MORTGAGE

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F.S. 697.02

697.02 Nature of a mortgage.—A mortgage shall be held to be a specific lien on the property therein described, and not a conveyance of the legal title or of the right of possession.

History.—ss. 1, 2, ch. 525, 1853; RS 1982; GS 2495; RGS 3837; CGL 5725.

F.S. 697.02 on Google Scholar

F.S. 697.02 on CourtListener

Amendments to 697.02

Annotations, Discussions, Cases:

Cases Citing Statute 697.02

Total Results: 38

Tanner v. FirstPlus Financial Inc. (In Re Tanner)

223 B.R. 379, 1998 Bankr. LEXIS 1018, 33 Bankr. Ct. Dec. (CRR) 57

United States Bankruptcy Court, M.D. Florida | Filed: Jul 7, 1998 | Docket: 1088187

Cited 16 times | Published

creates a lien in favor of the mortgagee. FLA.STAT. § 697.02 ("A mortgage shall be held to be a specific lien

Pitts v. Pastore

561 So. 2d 297, 1990 WL 761

District Court of Appeal of Florida | Filed: Jan 5, 1990 | Docket: 1740334

Cited 14 times | Published

lien on the property described in the mortgage. § 697.02, Fla. Stat. (1987). It is well established that

Martyn v. FIRST FED. SAV. & L. ASS'N OF W. PALM BEACH

257 So. 2d 576

District Court of Appeal of Florida | Filed: Dec 15, 1971 | Docket: 1287137

Cited 13 times | Published

would not qualify as a sale. See F.S. 1969, section 697.02, F.S.A., supra. 28 Fla.Jur., Sales, § 4, defines

Cukierman v. BankAtlantic

89 So. 3d 250, 2012 WL 280408, 2012 Fla. App. LEXIS 1342

District Court of Appeal of Florida | Filed: Feb 1, 2012 | Docket: 60308734

Cited 10 times | Published

special lien against the collateral property, see § 697.02, Fla. Stat. (2001); Hemphill v. Nelson, 95 Fla

Free v. Free

936 So. 2d 699, 2006 WL 2190777

District Court of Appeal of Florida | Filed: Aug 4, 2006 | Docket: 1651036

Cited 9 times | Published

of instruments of conveyance, such as a deed. § 697.02, Fla. Stat. (2005); Marcus v. Hull, 142 Fla. 306

Great Southern Aircraft Corporation v. Kraus

132 So. 2d 608

District Court of Appeal of Florida | Filed: Sep 7, 1961 | Docket: 1381828

Cited 8 times | Published

title to the leasehold, but merely a lien upon it, § 697.02 Fla. Stat., F.S.A., the voluntary action of a

State Ex Rel. Four-Fifty Two-Thirty Corp. v. Dickinson

322 So. 2d 525

Supreme Court of Florida | Filed: Jul 9, 1975 | Docket: 1734693

Cited 7 times | Published

imposition of tax at the time of execution. See Section 697.02, Fla. Stat., directing that a mortgage shall

DAD, INC. v. Moring

218 So. 2d 451

District Court of Appeal of Florida | Filed: Feb 6, 1969 | Docket: 1516467

Cited 7 times | Published

thereof or a transfer of the right of possession, Section 697.02, F.S. 1967, it would not appear that the execution

United of Fla., Inc. v. ILLINI FED. S. & L. ASS'N

341 So. 2d 793

District Court of Appeal of Florida | Filed: Jan 12, 1977 | Docket: 1394453

Cited 6 times | Published

Florida Statutes. Florida is a lien theory state. Section 697.02, Florida Statutes (1975), provides: "A mortgage

Glen Garron, LLC v. Buchwald

210 So. 3d 229, 2017 WL 456937, 2017 Fla. App. LEXIS 1250

District Court of Appeal of Florida | Filed: Feb 3, 2017 | Docket: 4583364

Cited 5 times | Published

561 So.2d 297, 301 (Fla. 2d DCA 1990) (citing § 697.02, Fla. Stat. (1987)). The acceleration clause in

Ramaria Familienstiftung v. United States

643 F. Supp. 139

District Court, S.D. Florida | Filed: May 29, 1986 | Docket: 1501920

Cited 4 times | Published

not a conveyance of the legal title. Fla.Stat. § 697.02 (1985). The Court concludes, as a matter of law

Regions Bank v. Deluca

97 So. 3d 879, 2012 WL 3588021, 2012 Fla. App. LEXIS 13986

District Court of Appeal of Florida | Filed: Aug 22, 2012 | Docket: 60311994

Cited 3 times | Published

the property that is described in the mortgage. § 697.02, Fla. Stat. (2004); Sunshine Meadows Condo. Ass’n

Wertkin v. Wertkin

763 So. 2d 461, 2000 WL 763602

District Court of Appeal of Florida | Filed: Jun 14, 2000 | Docket: 1681806

Cited 3 times | Published

jurisdiction.... (Emphasis added)(footnote omitted). Section 697.02, Florida Statutes (1997), provides, "[a] mortgage

Sunshine Meadows Condominium Association, Inc. v. BANK ONE, DAYTON

599 So. 2d 1004, 1992 Fla. App. LEXIS 4502, 1992 WL 79700

District Court of Appeal of Florida | Filed: Apr 22, 1992 | Docket: 1483687

Cited 3 times | Published

property which is included in its description. See § 697.02, Fla. Stat. (1991); Caples v. Taliaferro, 144

Cinque v. Buschlen

442 So. 2d 1034

District Court of Appeal of Florida | Filed: Dec 13, 1983 | Docket: 468963

Cited 3 times | Published

the legal title or of the right of possession," § 697.02, Fla. Stat. (1979), the provision in the agreement

Torcise v. Perez

319 So. 2d 41

District Court of Appeal of Florida | Filed: Sep 2, 1975 | Docket: 1508362

Cited 3 times | Published

(construing § 697.01 Fla. Stat., F.S.A.). Also see § 697.02 Fla. Stat., F.S.A., which provides that "[A] mortgage

Brittany's Place Condominium Association, Inc. v. U.S. Bank, N.A.

205 So. 3d 794, 2016 Fla. App. LEXIS 14788

District Court of Appeal of Florida | Filed: Oct 5, 2016 | Docket: 4469187

Cited 2 times | Published

specific lien on the property therein described,” § 697.02, Fla. Stat. (2014), a mortgagee is an entity “holding

In Re Villamont-Oxford Associates Ltd. Partnership

230 B.R. 445, 1998 Bankr. LEXIS 1851, 1998 WL 993734

United States Bankruptcy Court, M.D. Florida | Filed: Apr 17, 1998 | Docket: 1434646

Cited 2 times | Published

title or of the right of possession." Fla.Stat. § 697.02. This statute appears to have its origins in the

Seasons Partnership v. KRAUS-ANDERSON

700 So. 2d 60, 1997 WL 577716

District Court of Appeal of Florida | Filed: Sep 19, 1997 | Docket: 1373138

Cited 2 times | Published

Baumgartner, 99 Fla. 987, 128 So. 241 (1930). See also § 697.02, Fla. Stat. (1995) (providing mortgage is lien

City of Gainesville v. Charter Leasing Corp.

483 So. 2d 465, 11 Fla. L. Weekly 365

District Court of Appeal of Florida | Filed: Feb 7, 1986 | Docket: 1511922

Cited 2 times | Published

lease or of any ... interest herein". (e.s.) Section 697.02, Florida Statutes, in effect at all applicable

Gross v. City of Riviera Beach

367 So. 2d 648

District Court of Appeal of Florida | Filed: Jan 24, 1979 | Docket: 1330280

Cited 2 times | Published

holder of a lien on the property under Florida Statute 697.02,[3] it had the right to complete construction

In re Plummer

513 B.R. 135, 24 Fla. L. Weekly Fed. B 275, 2014 Bankr. LEXIS 1156, 2014 WL 1248039

United States Bankruptcy Court, M.D. Florida | Filed: Mar 25, 2014 | Docket: 65786443

Cited 1 times | Published

136-37. . See Claim No. 22-2. . Fla. Stat. § 697.02 (2013) ("A mortgage shall be held to be a specific

Bemort, Inc. v. Deerfield Beach Bank

134 So. 2d 28

District Court of Appeal of Florida | Filed: Oct 20, 1961 | Docket: 60198860

Cited 1 times | Published

Williams case is exactly the same as the present Section 697.02 of the Florida Statutes, F.S.A. The law of

ABDUL SALAM and GHAZALA K. SALAM v. U.S. BANK NATIONAL ASSOC., ETC

District Court of Appeal of Florida | Filed: Dec 20, 2017 | Docket: 6244892

Published

(Fla. 3d DCA 2017) (citation omitted); see also § 697.02, Fla. Stat. (2014) (“A mortgage shall be held

Bayview Loan Servicing, LLC v. Debra A. Newell

District Court of Appeal of Florida | Filed: Dec 5, 2017 | Docket: 6236409

Published

the property with a lien for the mortgage. See § 697.02, Fla. Stat. (lien of mortgage covers the property

Green v. Specialized Loan Servicing LLC

280 F. Supp. 3d 1349

District Court, M.D. Florida | Filed: Nov 30, 2017 | Docket: 64316164

Published

deemed to be mortgages under Florida law); Id. § 697.02 (clarifying that a mortgage is "a specific lien

Heartwood 2, LLC v. Dori

208 So. 3d 817, 2017 Fla. App. LEXIS 212

District Court of Appeal of Florida | Filed: Jan 11, 2017 | Docket: 4565895

Published

encompasses the property described in the mortgage. See § 697.02, Fla. Stat. (2005). Thus, for a mortgage to create

Deutsche Bank National Trust Company v. Hagstrom

203 So. 3d 918, 2016 Fla. App. LEXIS 11054

District Court of Appeal of Florida | Filed: Jul 20, 2016 | Docket: 4112457

Published

(quoting § 90.953(1), Fla. Stat. (2010))); see also § 697.02, Fla. Stat. (2011) (“A mortgage shall be held

Morris v. Osteen

948 So. 2d 821, 2007 Fla. App. LEXIS 500, 2007 WL 120043

District Court of Appeal of Florida | Filed: Jan 19, 2007 | Docket: 64849111

Published

the legal title or of the right of possession.” § 697.02, Fla. Stat. (2005). To enforce the mortgage lien

In Re Venice-Oxford Associates Ltd. Partnership

236 B.R. 791, 12 Fla. L. Weekly Fed. B 294, 1998 Bankr. LEXIS 1874, 1998 WL 777060

United States Bankruptcy Court, M.D. Florida | Filed: Apr 17, 1998 | Docket: 1080748

Published

title or of the right of possession." Fla. Stat. § 697.02. This statute appears to have its origins in the

Personal Finance Co. v. Commonwealth Land Title Insurance Co.

678 So. 2d 463, 1996 Fla. App. LEXIS 8397, 1996 WL 464083

District Court of Appeal of Florida | Filed: Aug 14, 1996 | Docket: 64766724

Published

assigned as collateral to its own financier, see § 697.02, Fla.Stat. (1995), and (c) that there was no basis

Bank One, Dayton, N.A. v. Sunshine Meadows Condominium Ass'n

641 So. 2d 1333, 91 Fla. L. Weekly Supp. 430, 1994 Fla. LEXIS 1359, 1994 WL 481570

Supreme Court of Florida | Filed: Sep 8, 1994 | Docket: 64750603

Published

specific lien on the property therein described.” § 697.02, Fla.Stat. (1983). The mortgage in this case covered

City of Jacksonville v. Nashid Properties, Inc.

636 So. 2d 875, 1994 Fla. App. LEXIS 4642, 1994 WL 182028

District Court of Appeal of Florida | Filed: May 13, 1994 | Docket: 64748316

Published

mortgage on real property is a lien on the property. § 697.02, Fla.Stat. (1987). We REVERSE the judgment before

Putney v. Dalton (In re Dalton)

90 B.R. 519, 1988 Bankr. LEXIS 1404

United States Bankruptcy Court, M.D. Florida | Filed: Sep 6, 1988 | Docket: 65779634

Published

Statutes (“Instruments Deemed Mortgages”) and § 697.02, Florida Statutes (“Nature of Mortgage”). Those

Crews Lake Road & Bridge District v. Pineview Estates, Inc. (In re Pineview Estates, Inc.)

57 B.R. 483, 1986 Bankr. LEXIS 6985

United States Bankruptcy Court, M.D. Florida | Filed: Jan 2, 1986 | Docket: 65779104

Published

ownership interest in the property itself. Fla.Stat. § 697.02 (1983); Martyn v. First Federal Savings and Loan

Ago

Florida Attorney General Reports | Filed: Apr 20, 1978 | Docket: 3255740

Published

receives no more than a lien on such property. Section 697.02, F. S.; Georgia Casualty Co. v. O'Donnell,

Martyn v. First Federal Savings & Loan Ass'n

257 So. 2d 576, 1971 Fla. App. LEXIS 5327

District Court of Appeal of Florida | Filed: Dec 15, 1971 | Docket: 64524269

Published

would not qualify as a sale. See F.S.1969, section 697.02, F.S.A., supra. 28 Fla.Jur., Sales, § 4, defines

United States v. Southland Provision Co.

320 F. Supp. 1089, 1970 U.S. Dist. LEXIS 9169

District Court, M.D. Florida | Filed: Dec 15, 1970 | Docket: 66067039

Published

35, 87 So. 753 (1921), a case annotated under § 697.02 F.S.A., supra, for the proposition that a lienholder