Mississippi Code

Miss. Code Ann. § 89-5-5 (2026)

Priority of all instruments, and notice thereof controlled by date of filing for record; take effect, when

✓ current as of July 2026
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Every conveyance, covenant, agreement, bond, mortgage, and deed of trust shall take effect, as to all creditors and subsequent purchasers for a valuable consideration without notice, only from the time when delivered to the clerk to be recorded; and no conveyance, covenant, agreement, bond, mortgage, or deed of trust which is unrecorded or has not been filed for record, shall take precedence over any similar instrument affecting the same property which may be of record, to the end that with reference to all instruments which may be filed for record under this section, the priority thereof shall be governed by the priority in time of the filing of the several instruments, in the absence of actual notice.

Codes, Hutchinson's 1848, ch. 42, art. 1 (5); 1857, ch. 36, art. 23; 1880, § 1213; 1892, § 2458; 1906, § 2788; Hemingway's 1917, § 2292; 1930, § 2148; 1942, § 869; Laws, 1924, ch. 239.


Notes of Decisions
Cited in 10 cases (1 in the last 5 years), 1992–2022 · leading case: The Pennington Grp., LLC v. Priority One Bank, 228 So. 3d 880 (Miss. Ct. App. 2017).
The Pennington Grp., LLC v. Priority One Bank, 228 So. 3d 880 (Miss. Ct. App. 2017). “” Miss. Code Ann. § 89-5-5 (Rev. 2011). A “deed of trust shall take' effect,' as to all creditors and subsequent purchasers for a valuable consideration without notice, only from the time when delivered to the clerk .”
Shutze v. Credithrift of Am., Inc., 607 So. 2d 55 (Miss. 1992). “Indeed, our question is not which lien came first. All admit that the lien of Credithrift's April 8, 1981, deed of trust has priority over Shutze's October 23, 1984, judgment lien.”
U.S. Bank Nat'l Ass'n ex rel. TBW Mortg.-Backed Trust Series 2006-5 v. State Bank & Trust Co., 45 F. Supp. 3d 582 (S.D. Miss. 2014). “1983); Miss.Code Ann. § 89-5-5 (providing that “[e]very .”
Henderson v. Bank of Am., N.A. (In re Simmons), 510 B.R. 76 (Bankr. S.D. Miss. 2014). “on without notice, only from the time when delivered to the clerk to be recorded; and no conveyance, covenant, agreement, bond, mortgage, or deed of trust which is unrecorded or has not been filed for record, shall take precedence over any similar instrument affecting the same…”
Cmty. Trust Bank of Mississippi v. First Nat'l Bank of Clarksdale, 150 So. 3d 683 (Miss. 2014). “” Miss.Code Ann. §89-5-5 (Rev. 2011). The priority of all instruments filed for record on a piece of real property is “governed by the priority in time of the filing of the several instruments .”
McMillan v. Aru, 773 So. 2d 355 (Miss. Ct. App. 2000). “; see also Miss.Code Ann. § 89-5-5 (Rev 1999)(priority of instruments dates from its filing with chancery clerk "as to all creditors and subsequent purchasers .”
Elmore v. Shadow Ridge Farms, LLC (S.D. Miss. 2020). · cites it 2× “Miss. Code Ann. § 89-5-5 (1972). While each party claims that the other’s deed of trust did not constitute a purchase money mortgage, § 89-1-45 makes clear that both deeds of trust constitute purchase money liens.”
Loblolly Props. LLC v. Le Papillon Homeowner's Ass'n Inc. (Miss. Ct. App. 2022). · cites it 2× “” Miss. Code Ann. § 89-5-5 (Rev. 2021). As the Mississippi Supreme Court has explained, [o]nce properly filed for record, the deed of trust is entitled to priority according to date of filing.”
Tally Arms Condo. Ass'n v. Breland, 854 So. 2d 28 (Miss. Ct. App. 2003). “Miss.Code Ann. § 89-5-5 (Rev.1999). Contracts regarding land also may be filed and thereafter are notice.”
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