Minn. Stat. » CHAPTER 287. MORTGAGE REGISTRY TAX; DEED TAX
Minnesota Statutes

Minn. Stat. § 287.03 (2026)

Instruments Valid Security For Debt

✓ text as last checked Sept. 2026 (this copy records no edition or section history)
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No instrument, other than a decree of marriage dissolution or an instrument made pursuant to it, relating to real estate may be enforced as security for any debt, unless the fact that it is so intended is expressed in it. Except as provided in section 287.05, an instrument may not be enforced as security for a debt amount in excess of: (1) the initial known amount of the debt expressed in the instrument if the instrument secures that entire debt amount; or (2) the portion of the initial known amount of the debt expressed in the instrument if the instrument secures only a portion of that debt amount.

Notes of Decisions
Cited in 5 cases, 1983–2015 · leading case: Bus. Bank v. Hanson, 769 N.W.2d 285 (Minn. 2009).
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Bus. Bank v. Hanson, 769 N.W.2d 285 (Minn. 2009). · cites it 20× “The court of appeals reversed, holding that the mortgage was invalid because it did not comply with Minn.Stat. § 287.03 (2008). 1 Business Bank v.”
Boyd v. Robinson (In Re Boyd), 31 B.R. 591 (D. Minn. 1983). · cites it 2× “Section 287.03 has been amended to read: No instrument, other than a decree of marriage dissolution or an instrument made pursuant to it, relating to real estate shall be valid as security for any debt, unless the fact that it is so intended and the initial amount of the debt…”
Jeanine M. BOYD, F/K/A Jeanine Boyd Robinson, Appellant, v. Bruce G. ROBINSON, Appellee, 741 F.2d 1112 (8th Cir. 1984). “1984) defines “mortgage” to include “a decree of marriage dissolution or an instrument made pursuant to it,” and Minn.Stat.Ann. § 287.03 (West Supp.1984) declares that “a decree of marriage dissolution or an instrument made pursuant to it, relating to real estate, shall be valid…”
In Re Dale, 152 B.R. 573 (Bankr. D. Minn. 1993). · cites it 4× “She also relies on section 287.03 of the Minnesota Statutes which provides that “a decree of marriage dissolution or an instrument made pursuant to it, relating to real estate, shall be valid as security for any debt.”
In the Matter of the Est. of: John Stanley LaSha, No. A15-106 (Minn. Ct. App. Sept. 28, 2015). · cites it 2× “Under Minn. Stat. § 287.03 (2014), “[n]o instrument .”
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