Minnesota Statutes

Minn. Stat. § 508.54 (2026)

Mortgage

✓ current as of May 2026

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The owner of registered land may mortgage the same by deed or other instrument sufficient in law for that purpose and such mortgage or other instrument may be assigned, extended, discharged, or released, either in whole or in part, or otherwise dealt with by the mortgagee by any form of deed or instrument sufficient in law for the purpose. Such deed, mortgage, or other instrument, and all instruments assigning, extending, discharging, releasing, or otherwise dealing with the same, shall be registered and take effect upon the title only from the time of registration.

Notes of Decisions

Cited in 9 cases, 1990–2013 · leading case: In Re Collier, 726 N.W.2d 799 (Minn. 2007).

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In Re Collier, 726 N.W.2d 799 (Minn. 2007). · cites it 3× “at 830 (citing Minn.Stat. § 508.54 (2004)). The court concluded that because M & I failed to file its mortgage on Conley’s property with the Ramsey County Registrar of Titles, M & I did not have an interest in the property that affected subsequent purchasers such as Collier, and…”

In Re Ocwen Fin. Servs., Inc., 649 N.W.2d 854 (Minn. Ct. App. 2002). · cites it 4× “Minn.Stat. § 508.54 (2000). Indeed, the necessity of registration to create an interest in the property is what distinguishes the Torrens law from the recording act for abstract *857 property.”

Imperial Developers, Inc. v. Calhoun Dev., LLC, 775 N.W.2d 895 (Minn. Ct. App. 2009). · cites it 10× “55, titled "Registration of mortgage; memorial entered on certificate of title," clarifies the registration process: The registration of a mortgage .”

Fingerhut Corp. v. Suburban Nat'l Bank, 460 N.W.2d 63 (Minn. Ct. App. 1990). · cites it 2× “Minn.Stat. § 508.54 (1988) (emphasis added).”

Imperial Developers, Inc. v. Calhoun Dev., LLC, 790 N.W.2d 146 (Minn. 2010). · cites it 2× “Minn.Stat. § 508.54 (2008). Minnesota Statutes § 508.”

In Re Collier, 711 N.W.2d 826 (Minn. Ct. App. 2006). · cites it 4× “” Minn.Stat. § 508.54 (2004). The interrelation of these Torrens sections presents a case of first impression in Minnesota.”

Somsen, Mueller, Lowther & Franta, PA v. Estates of Olsen, 790 N.W.2d 194 (Minn. Ct. App. 2010). · cites it 2× “48 or validly assigned to Wendover under Minn.Stat. § 508.54 (2008). The mortgage was filed and registered several years before the law firm’s attorney’s lien existed.”

In re Mortg. Elec. Reg. Sys., Inc., 835 N.W.2d 487 (Minn. Ct. App. 2013). · cites it 2× “19, 2002); see also Minn.Stat. § 508.54 (2012) (“[A] mortgage .”

United States v. Premises Known as 7725 Unity Avenue North, 294 F.3d 954 (8th Cir. 2002). “Because the Government filed its notice of lis pendens before GMAC registered the mortgage, GMAC’s interest is junior to the Government’s interest.”

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