almost everything you always wanted to know about
TRANSCRIPT
ALMOST EVERYTHING YOU ALWAYS WANTED TO KNOW ABOUT RECORDING REAL ESTATE
DOCUMENTS
Kathryn “Katie” M. Norby Cass County Recorder/Registrar of Titles
P.O. Box 3000 Walker, MN 56484
(218) 547-7381 www.co.cass.mn.us
This manual is for reference purposes only and is subject to change. 6th Edition – March, 2019
TABLE OF CONTENTS
SUBJECT
PAGE
Office Procedure Manual 1 Program Description 2 Abstract Property 3 Adverse Possession 3 Deeds 5 Quiet Title Action 3 Torrens Property 4 Affidavit 6 Affidavit of Survivorship 7 Agreement 7 Amendment or Extension of Contract for Deed 7 Articles of Incorporation 8 Assignment of Mortgage or Contract for Deed 8 Assignment of Sheriff=s Certificate of Sale 9 Assumption Agreement 9 Attorney=s Lien 9 Bank Name Changes Exhibit II Bankruptcy Papers 10 Bill of Sale 10 Bona Fide Purchaser Declaration (Abstract) 10 Business Corporation Resolutions 10 Cancellation of Contract for Deed 11 Certificate of Sale of Forfeited Land 11 Certificate of Real Estate Value (CRV=s) 11 & Exhibit VIII Contract for Deed 12 Copies of Documents 12 Decree of Descent (Abstract) 13 Decree of Descent (Torrens) 13
Deeds 14 Deed Tax Exhibit VII
See also Exhibit VIIA Divorce Decree 14 Document Standards Exhibit X Document Counts (Annual) Exhibit XI Easement 15 Extension of Mortgage 15 Fee Schedule for Recording Fees Exhibit VI Final Decree of Distribution (Abstract) 16 Fixture Financing Statement 16 FORMS – MN Uniform Conveyancing Blanks (aka deed forms) Exhibit XIV Grantor/Grantee Index Exhibit I Judgments and Orders (Abstract) 16 Judgments and Orders (Torrens) 16 Lease 17 Legal Description – Finding your legal description Exhibit IV Letters of Special Administration 17 Mechanic=s Liens 18 Military Discharge 18 Modification Agreement 18 Mortgage 19 Mortgage Registration Tax Exhibit VII
See also Exhibit VIIA Name Searches Exhibit III Notary Acknowledgment – Examples of Exhibit XVII Notice of Intention to Redeem 19 Notice of Lis Pendens 20 Ordinance 20 Partial Release of Mortgage 20 Personal Representative Deed (Abstract) 21 Personal Representative Deed (Torrens) 21 & 22 Plats 22 Power of Attorney 22 Recording Checklist Exhibit XVI Rejection Letter (Sample copy) Exhibit XII
Release of Land from Judgment Lien 23 Release of Specific Property 23 Release of State Tax Liens 23 Repayment Agreement 23 Review of Documents – proofreading by submitter Exhibit XVIII Satisfaction of Mortgage or Lien 24 Sheriff=s Certificate and Foreclosure 24 Splitting Property Exhibit V State, County or Municipal Resolutions, Variances/Agreements 24 State Deed/Conveyance of Forfeited Lands 25 Subordination Agreement 25 Termination or Satisfaction of Financing Statement 26 Tract Searches Exhibit III Trustee=s Deed - See Deeds 14 UCC Filings 26
WEB address for County Exhibit XIII Well Certificate (after 1-1-93) Exhibit IX
Well Disclosure Certificate Exhibit IX Well Disclosure Instructions Exhibit IX
EXHIBITS
Exhibit I - Grantor/Grantee Indexing list for Documents Exhibit II - Name Change for Assignments, Satisfactions or Releases of Mortgage Exhibit III - Tract Searches/Name Searches Exhibit IV - Finding Your Legal Description Exhibit V - Property Splits/Tax Splits Exhibit VI - Fee Schedule for Recording Fees Exhibit VII - Deed Tax - Mortgage Registration Tax Exhibit VIIA - Request for Separate Checks for Fees Exhibit VIII – Certificate of Real Estate Value (CRV) Exhibit IX - Well Certificate Information Exhibit X - Document Standards Exhibit XI – Annual Document Counts Exhibit XII - Rejection Letter (Sample) Exhibit XIII - Web Address for Cass County Exhibit XIV - Forms – MN Uniform Conveyancing Blanks (aka deed forms) Exhibit XV – What paperwork do I need to record a deed?
Exhibit XVI – Recording Checklist Exhibit XVII - Examples of Notary Acknowledgments Exhibit XVIII – Review & Proof Documents Exhibit XIX – Standard Recording Slip – Cover Sheet Exhibit XX – Online Land Records Subscription Options Exhibit XXA – Search Tips Exhibit XXB – State Assignment Certificates Exhibit XXI – Disclaimer for online land records Exhibit XXII – Printing Instructions for idocmarket.com Exhibit – XXIII – Electronic Recording Information
For INTERNET ACCESS to our real estate records, please see the last few pages of this manual or see links in our website @ www.co.cass.mn.us. OR you can go directly to www.idocmarket.com
CASS COUNTY RECORDER/REGISTRAR OF TITLES OFFICE PROCEDURE MANUAL
6th Edition – March 2019
INTRODUCTION
This manual is designed to provide an introduction to the basic principles of recording and filing documents. It is hoped, also, that all customers of this office will come to realize the complexity of the work in the Recorder=s Office and know that professional competency will come from practical experience.
It is important to remember that the Office of the County Recorder is two legally
separate offices:
1. the Office of the County Recorder (abstract property) AND
2. the Office of the Registrar of Titles (torrens property).
Minnesota Statutes prohibit anyone except a licensed attorney from giving legal advice. This manual is not a substitute for legal advice, and questions regarding the validity of title and legal effects of a document are questions to be answered by competent legal advisers.
The Department of the Cass County Recorder has a commitment to provide prompt, responsive, courteous service to the public as it collects, creates and maintains accurate records and disseminates information.
The information on the following pages will outline how this commitment is met.
PROGRAM DESCRIPTION The operations of the County Recorder are specified and mandated by state law. Briefly, the Recorder is required to record all documents submitted by the public which are qualified to be recorded; to maintain an up-to-date and accurate set of indexes which show the current ownership of land in the entire county, and to perform all functions of a clerical and technical nature to accomplish that objective. The Recorder by law is charged with passing upon the sufficiency of records presented to his/her office and charged with creating and displaying these records for the use of the public. An essential consideration is that all records are open for public inspection during regular business hours, and that the public is entitled to rely upon the accuracy of what is shown on the record. Accuracy thus becomes a critical and overriding concern of the entire operation, with the resultant higher ratio of time to production that would be normal in a commercial business operation where the primary concern is profit. All of the County Recorder’s records are digitally imaged. Records from May 5, 1965 to the present are available in a program called Document Pro. Legacy records, from May 4, 1965 going back to the late 1870’s are available in a program called ArcaSearch. All imaging is available for use by the public at the Recorder=s Office. Certified and non-certified copies may be purchased and information is also provided to walk-in and telephone customers. In perspective, the operation of the entire county government depends upon the public records. Taxation of real property is the cornerstone of financing governmental operations. The ownership of the real property is thus responsible for taxes assessed; and it follows that the records must accurately reflect the status of each individual tract of land - its dimensions and locations, and the names of the owners. While each of the other offices is essential to the governmental function, they follow the Recorder=s Office in the flow chart: i.e., the Assessor bases his work upon the information recorded by the Recorder; and in turn the Auditor/Treasurer collects the taxes assessed. Understanding the work in the Recorder=s Office, however, does require an awareness and understanding of some of the terminology of real estate law, the legal system and property rights.
ABSTRACT PROPERTY
The evidence of title most commonly found in the United States is abstract title. An abstract of title is a history of the recorded title to a particular tract of land. It is a document which consists of a summary of the material parts of every recorded instrument affecting the title. It begins with the legal description of the land covered by the abstract and then shows the original patent and all subsequent recorded documents (deeds, mortgages, satisfactions, probate documents, judgments, mechanic liens, foreclosure proceedings, tax sales and others) affecting the title. Therefore, what has been certified to by the licensed abstractor (when the abstract was last updated, and to what extent, and what records have been checked by the abstractor) determines whether the abstract of title is complete.
Usually a person would have a licensed attorney do an Aopinion of title@, based upon an examination of the abstract of title, to determine whether there are any title problems or defects, and if so, what should be required by affidavits, quit claim deeds, other documents or court procedures to legally clear up any title defects.
The Cass County Recorder=s Office does have a complete tract index and is required by law to maintain a Grantor/Grantee index and a Reception Record. Since April 1, 1987, the Grantor/Grantee index is maintained on a computer system. Since March 11, 2004, the tract index is also maintained on a computer system.
Quiet Title Action - This is a court proceeding to establish title to land by court action. An adverse claimant of an interest in real estate is brought under the jurisdiction of the court and provided a hearing to establish a claim, or be barred from asserting it, by the quiet title judgment. Whenever a deed or other instrument exists that may cloud the title or create a title problem, a court can clear the title by judgment setting forth the current ownership. For example, when a real estate mortgage is valid on its face, but has ceased to be a lien, it may be canceled by an action to quiet title.
Adverse Possession - This is the legal concept of acquiring title to abstract property by occupying the land for a period fixed by statute. Occupancy must be continuous, open, hostile, visible and exclusive. The adverse possession must have continued for the statutory period of time.
TORRENS PROPERTY
Torrens property is property which the title to has been adjudicated under the authority of Minnesota Statutes Chapter 508. This means that all matters pertaining to the title are under the supervision of the court, from the initial title registration proceeding through proceedings subsequent to initial registration. Under the supervision of the Court, the Registrar of Titles issues an original Certificate of Title which is kept in the Office of the Registrar of Titles and a copy of said Certificate is delivered to the registered owner.
All encumbrances and rights to be effective against registered land must be shown upon the Certificate of Title. There are seven statutory exceptions to this (set out in MN Statute '508.25) and are:
1. liens, claims, or rights arising or existing under the laws or the Constitution of the United States, which this state cannot require to appear of record;
2. the lien of any real property tax or special assessment; 3. any lease for a period not exceeding three years when there is actual
occupation of the premises thereunder; 4. all rights in public highways upon the land; 5. the right of appeal, or right to appear and contest the application, petition or other proceeding affecting the title, as is allowed by this chapter; 6. the rights of any person in possession under deed or contract for deed from the
owner of the certificate of title; and 7. any outstanding mechanics lien rights which may exist under sections 514.01
to 514.17.
Petitions subsequent to initial registration are court proceedings to adjudicate unusual matters concerning registered property arising after the initial court proceeding registering the title.
Although registered land (Torrens Property) is subject to the same incidents as unregistered land (Abstract Property), title to registered land MAY NOT be established by adverse possession.
Title to registered property is legally separate and distinct from title to abstract property. Documents recorded in the Office of the County Recorder are not legal notice to persons interested in registered (Torrens) property. Conversely, documents filed in the Office of the Registrar of Titles are not legal notice to persons interested in unregistered (Abstract) property.
A transfer of ownership in registered land may be accomplished by deed from the registered owner, by an order from the court, or by a certificate from the Examiner of Titles. There must always be a Achain of title@ of voluntary instruments to transfer title.
The legal adviser to the Registrar of Titles is the Examiner of Titles who also
supervises the initial registration proceedings and all petitions subsequent to initial registration. The Examiner of Titles is appointed by the local Judges of the District Court.
In Cass County, the Examiner of Titles is:
Stephen M. Baker, Esq. P.O. Box 924 Walker, MN 56484 (218) 547-1319
The Deputy Examiner of Titles is: Larry A. Kimball, Esq. P.O. Box 1240 Walker, MN 56484 (218) 547-3787
CHECKING INDIVIDUAL DOCUMENTS The statute imposing document standards became effective on August 1, 1997. The full text of the standards will follow later herein. Deeds
Quit Claim Deed - is generally used to convey, or to release, a person=s right, title or interest in real property to another without providing a guarantee or warranty of title.
Warranty Deed - is a deed warranting that the grantor has a good title, free and clear of all liens and encumbrances, and will defend the grantee against all claims.
Generally, a deed tax stamp is required to be affixed to every deed filed. There are a few exemptions from this requirement. Exemption from deed tax was repealed to or from the State of Minnesota or any of its agencies, or to or from a governmental subdivision of the State of Minnesota, effective for deeds recorded on or after June 1, 1987. This does not apply to deeds to or from the federal government or its agencies. (See MS '287.22 for statutory exemptions.)
Prior to July 1, 1987, the only occasions where current real estate taxes had to be paid in full were where plats were to be recorded where conveyances were made to tax-exempt governmental agencies. Since that time, this requirement has been expanded to include conveyances where a tax parcel was to be split. In the case of a conveyance to a governmental agency where a tax parcel is to be split, a letter from the agency to the Auditor accepting responsibility for payment of the taxes will suffice in lieu of the tax payment. In all other cases, full payment of the current taxes must be made. Following is a filing checklist for specific documents: Affidavit 1. Date 2. Signed by person making declaration 3. Notarized 4. Name and address of draftsman
Affidavit of Survivorship 1. Legal description 2. Date 3. Document Number for document where joint tenancy was created. 4. Transfer stamp by Auditor=s Office 5. Certified copy of death certificate 6. Signature and notarization 7. Name of surviving joint tenant 8. Name and address of affiant (person signing affidavit) 9. Name and address of draftsman 10. Name and address for tax statements Agreement 1. All parties must sign 2. Notarized 3. Date 4. Legal description 5. Marital status 6. Name and address of draftsman Amendment or Extension of Contract for Deed 1. Type of document 2. Legal description 3. Date
4. Name(s) of grantors and marital status 5. Name(s) of grantees 6. Notarized signatures of grantee(s) and grantor(s) 7. Name and address of draftsman Articles of Incorporation
1. Original notarized signature by corporate officer or certified copy from the Secretary of State.
2. Name and address of draftsman
Assignment of Mortgage or Contract for Deed
1. Document number of original mortgage or contract for deed
2. Notarized signature(s) of party assigning instrument
3. Name and address of draftsman
4. Date
Note: Assignment of Contract for Deed is the same as Assignment of Installment Contact for Sale of Real Estate.
5. On assignment of contract: check legal description; where to send tax
statements; must be certified for taxes; can be assigned by either seller or buyer
6. Must state who is assigning and to whom
Additional requirements for Torrens Documents:
a. Bank merger or name change must be memorialized where applicable (or comply with MS'507.411)
Assignment of Sheriff=s Certificate of Sale 1. Document number must be referred to and checked 2. Person assigning must have notarized signature 3. Legal description 4. Name and address of draftsman 5. Date 6. Address for tax statements Assumption Agreement 1. Party taking over must sign 2. Signature notarized 3. Date 4. Must refer to document number of mortgage being assumed 5. Legal description 6. Marital status of person assuming 7. Name and address of draftsman Attorney=s Lien 1. Attorney=s notarized signature 2. Legal description 3. Date 4. Name and address of draftsman
Bankruptcy Papers 1. Seal and signature from the Bankruptcy Court required Bona Fide Purchaser Declaration (Abstract Only) 1. No transfer needed 2. Certified copy of Letters attached 3. Signed and notarized 4. Date 5. Name and address of draftsman Business Corporation Resolutions 1. Original signature of corporate officer 2. Notarized 3. Name of Corporation 4. Name and address of draftsman Bill of Sale - signatures, consideration, notarized and description. Recording fee is $46.00 and the original stays on file in the Chattel/UCC Department.
Cancellation of Contract for Deed 1. Date 2. Description 3. Document number of contract (if recorded) 4. Either seller or attorney signs 5. Service on occupants by Sheriff attached - signature of serving officer must be
notarized if served out-of-state. 6. Name and address of draftsman 7. Name and address for tax statements Certificate of Sale of Forfeited Land - same as contact for deed Certificates of Real Estate Value (CRV=s) This form is required by the Minnesota Department of Revenue and must be entered electronically via their website. Once the electronic CRV has been submitted online you will receive an eCRV number. The eCRV number must show on the original deed that will be recorded. With that eCRV number, the Auditor/Treasurer=s Office reviews the eCRV online. Once it is approved, the Auditor/Treasurer’s Office will place a stamp on the face of the document stating that the CRV has been filed. Only deeds with a deed tax amount that is $3.30 or less, AND the total consideration statement stated upon the face of the document, can be accepted for recording without the CRV.
Contract for Deed 1. Type of Document 2. Legal description 3. Date 4. Name of grantor(s) and marital status 5. Signature(s) of grantor(s) 6. Name and grantee(s) 7. Signature(s) of grantee(s) 8. Acknowledgment and notarization of all signatures. Check expiration date of
notary(s). No witnesses necessary. 9. Name and address of draftsman 10. Name and address for tax statements 11. Auditor=s certification as to delinquent taxes 12. Must file a Certificate of Real Estate Value form (CRV) - not needed prior to 1-1-
78) (Not needed on Assignment of Contract for Deed) 13. No Mortgage Registration Tax is required on any Contract for Deed regardless of
when it was executed 14. Information regarding wells
Additional requirements for Torrens documents: a. Spouse=s signature is required.
Copies of Documents non-certified copies of documents - $1.00 per page w/a $2.00 minimum when mailed certified copies of documents - $10.00 per document
Decree of Descent (Abstract Only) 1. Legal description 2. Must be certified copy from Probate Court - signed by deputy court administrator 3. Must be certified as to delinquent taxes by Auditor=s Office.
Decree of Descent (Testate - Torrens Only)
a. Abstract requirements 1-3
b. Certified copy of Will and Order Admitting Will
c. Affidavit of Purchaser
d. Directive from Examiner of Titles (to be requested by Registrar)
Decree of Descent (Intestate - Torrens Only)
a. Abstract requirements 1-3
b. Affidavit of Purchaser
c. Directive from Examiner of Titles (to be requested by Registrar)
Deeds (Personal Representative, Warranty, Quit Claim)
1. Type of document
2. Check legal description
3. Date
4. Name(s) of grantor(s) and marital status
5. Signature of grantor(s). Spouse must sign if homestead property.
6. Acknowledgment and notarization. Check Expiration date.
7. No witnesses necessary (Effective 8-1-73)
8. Name(s) of grantee(s)
9. Name and address of Draftsman (Effective January 1971)
10. Name and address of Taxpayer (Effective January 1972)
11. Must have Deed Tax Stamp (unless exempt)
12. Must be certified as to delinquent taxes by Auditor=s Office
13. Well Disclosure Certificate and Certificate of Real Estate Value is required is the consideration is more than $1,000.00. Additional requirements for Torrens documents:
a. Spouse=s signature in all cases
b. Examiner=s Directive required for deeds from a trustee or an attorney-in-fact (to be requested by Registrar) Divorce Decree (Abstract Property) 1. Must be certified and sealed by the District Court Additional requirement for Torrens Property: Divorce Decree must be reviewed and approved by the Examiner of Titles by Examiner=s Directive (to be requested by Registrar)
Easement 1. Legal description 2. Marital status and signature(s) of grantor(s) 3. Acknowledgment and notarization 4. Date 6. Name and address of draftsman. Additional Requirements for Torrens Documents:
a. Legal description must be specific; include map or drawing if possible.
Extension of Mortgage 1. Document number of mortgage and date 2. Signature(s) of bank official(s) and mortgagor(s) - acknowledged and notarized 3. Name and address of draftsman. 4. Date Additional requirements for Torrens Documents:
a. Bank merger or name change must be memorialized where applicable or an Aalso known as@ or Aformerly known as@ and Aby reason of . . .@ must be used pursuant to MS '507.411.
Final Decree of Distribution (Abstract Only) 1. Legal description. 2. Must have transfer slip by Auditor=s Office. 3. Must be a certified copy from the Probate Court - signed by deputy court administrator. Additional requirement for Torrens Property:
Must be reviewed and approved by the Examiner of Titles by Examiner=s Directive (to be requested by Registrar) Fixture Financing Statement 1. Must be filled out appropriately. 2. Must be signed and notarized unless it is the National Form Grantor/Grantee Index – See Exhibit VIII Judgments and Orders (Abstract Only) 1. Legal description 2. Date 3. Certified copy from Court - signed by deputy court administrator Judgments and Orders (Torrens Only)
a. Abstract requirements 2 & 3 above.
b. If no legal description appears on instrument, attach Affidavit of Identity requesting recording on specific Certificate of Title. Relationship between parties in instrument and parties in certificate must be shown.
Lease 1. Legal description 2. Acknowledged and notarized 3. Name and address of draftsman. 4. Date Letters of Special Administration 1. Must be a certified copy from Court - signed by deputy court administrator & must have court impression seal
Mechanic=s Lien 1. Need full legal description 2. Name of firm or person filing lien and signature(s) 3. Name of person lien is filed against 4. Dates when work was performed/type of work or type of materials provided and when 5. Acknowledgment and notarization 6. Date of instrument 7. Name and address of draftsman 8. Has to be filed within 120 days of completion of work or last date materials provided. Good for Aone year after date of the last item of the claim as set forth in the recorded lien statement@. Then Notice of Lis Pendens must be filed and court action commenced. Military Discharge 1. No filing fee - no charge for certified copies - filed in abstract department only. Note: Pursuant to current legislation, once they are filed here, they are no longer considered public information and person requesting copy must prove a tangible interest to the veteran. Modification Agreement (Similar to a Mortgage) 1. Date 2. Signed by mortgagor(s) and mortgagee(s) 3. Must have reference to document number (does not need legal description but it is appreciated if it is on the modification agreement) 4. Name and address of draftsman. 5. Must have acknowledgment and notarization of all signatures 6. Marital status of mortgagor(s) must be indicated 7. Spouses signatures required.
Mortgage 1. Legal description 2. Date 3. Name and marital status of mortgagor(s) 4. Signature(s) of mortgagor(s). Spouse must sign except on purchase money mortgage (abstract only). 5. Name of mortgagee (institution or person lending money) 6. Mortgage Registration Tax stamp 7. Name and address of draftsman 8. Acknowledgment and notarization 9. If corrective mortgage, it should reference the original mortgage document number and the reason for the corrective document Additional requirements for Torrens documents:
a. Spouse=s signature in all cases. Notice of Intention to Redeem 1. Legal description 2. Name and address of draftsman 3. No transfer by Auditor=s Office necessary 4. Signed and notarized 5. Date
Notice of Lis Pendens 1. Legal description 2. Date 3. Name of plaintiffs 4. Name of defendants 5. Signature of attorney for plaintiffs Ordinance 1. Date 2. Certified copy from authorized government agency Partial Release of Mortgage 1. Legal description 2. Document number and date of mortgage 3. Signature(s) of bank official(s) or owner of note - acknowledged and notarized 4. Name and address of draftsman Additional requirements for Torrens documents:
a. Bank merger or name change must be memorialized where applicable or must comply with MS '507.411
Personal Representative Deed (Abstract) 1. Abstract requirement for any deed Personal Representative Deed (Testate - Torrens Only)
a. Abstract requirements for any deed
b. Affidavit of Purchaser
c. Deed tax, if applicable
d. Certified copy of Letters Testamentary - must be dated the same as or later than personal representative deed
e. Directive from Examiner of Titles (to be requested by Registrar)
Personal Representative=s Deed (Intestate - Torrens Only)
a. Abstract requirements for any deed
b. Affidavit of Purchaser
c. Deed tax, if applicable
d. Certified copy of Letters Testamentary - must be dated the same as or later than personal representative deed
e. Directive from Examiner of Titles (to be requested by Registrar) Plats
1. Only one mylar are required by this office marked as the AOFFICIAL PLAT@
2. Only permanent black ink shall be used for all signatures and dates. All notary stamps must also use permanent black ink.
3. Plats shall measure 22" by 34" on the outer edges.
4. Subject to all platting requirements pursuant to MS Chapter 505 5. Plats must have the approval of the platting authority 6. Plat must be certified for current and delinquent taxes by County Auditor/Treasurer 7. Filing fee is $56.00 Power of Attorney 1. Legal description not necessary 2. Name of grantor(s) 3. Name of grantee(s) - (attorney-in-fact) 4. Signature of grantor(s) - acknowledged and notarized 5. Name and address of draftsman 6. Date
Release of Land from Judgment Lien 1. Person releasing must sign 2. Signature must be notarized 3. Legal description 4. Date 5. Name and address of draftsman Release of Specific Property 1. Legal description 2. Date 3. Name(s) of Grantor(s) and Grantee(s) 4. Name and address of draftsman 5. Signature of secured party and notarization Release of State Tax Lien 1. If the original lien was filed:
a. June 30, 1986 or before, the fee is $15.00 b. July 1, 1986 or after, the fee is $30.00
Repayment Agreement 1. Person signing is person taking out the loan - grantor - must be notarized 2. Date 3. Legal description 4. Name and address of draftsman
Satisfaction of Mortgage or Lien 1. Name of mortgagor(s) 2. Name of mortgagee and signature 3. Date and document number of original mortgage 4. Acknowledgment and notarization 5. Name and address of draftsman Additional requirements for Torrens documents:
a. Bank merger or name change must be memorialized where applicable or must comply with MS '507.411. Sheriff=s Certificate of Sale and Foreclosure Record 1. Affidavit of Publication with clipping from newspaper attached 2. Document number of mortgage 3. Signature of sheriff or deputy - acknowledged and notarized 4. Date 5. Name and address of draftsman 6. Name and address for tax statements 7. Affidavit of service 8. Watch for checkoff boxes for attachments State, County or Municipal Resolutions, Variances, Agreements 1. Require Certified Copy 2. Legal description 3. Date 4. Signature and seal of authority on behalf of County Board, City Clerk, etc.
State Deed/Conveyance of Forfeited Lands 1. Type of document 2. Legal description 3. Date 4. Name of grantor 5. Signature of grantor - acknowledged and notarized 6. Name of grantee 7. Name and address of taxpayer 8. Deed tax stamp now required on state deeds issued after 5-30-1987. 9. Must be certified as to taxes by Auditor=s Office 10. Name and address of draftsman Subordination Agreement 1. Party subordinating must sign 2. Signature must be notarized 3. Legal description 4. Date 5. Name and address of draftsman
Termination or Satisfaction of Financing Statement 1. Must reference document number from original Financing Statement Trustee’s Deed (See Deeds) UCC 2 (Fixture Liens) Recorded in Real Estate Records Only 1. National form may be used but box must be checked that states AThis Financing Statement is to be filed for record in the Real Estate Records@ - no signatures are required no draftsman required. National forms may be downloaded from the Internet - www.iaca.org/sts/ 2. Old form UCC-2 (Financing Statement) may be used but must be signed by debtor and must be notarized 3. Name and address of debtor(s) 4. Name and address of secured party 5. Name and address of draftsman 6. Legal description 7. Description of collateral Additional requirements for Torrens documents:
a. Certificate of Title number must be shown Well Disclosure Certificate - www.health.state.mn.us/divs/eh/wells/disclosures/index.html
EXHIBIT II
1
NAME CHANGES FOR ASSIGNMENT, SATISFACTION OR RELEASE OF MORTGAGE (MS '507.411)
Beginning March 1991, we will accept for filing all Satisfactions or Partial Releases of Mortgages held by corporate mortgagees, which contain a specific (described below) reference to its name change, WITHOUT the filing or refiling of the name change document. All of the following rules must be met:
1. This statute applies only to Satisfactions, Partial Satisfactions, Releases, Partial Releases of Mortgages and Assignments.
2. This does NOT apply to Foreclosure documents, Amendments, Subordinations, Supplements, or any other documents, Amendments, Subordinations, Supplements, or any other document relating to a Mortgage.
3. When citing the name change the document must cite one of the following reasons as the cause of the change:
- merger - consolidation - amendment to charter - amendment to articles of incorporation - conversion from federal to state charter - conversion from state to federal charter - conversion from one form of entity to another
If the document cites any other reason as having caused the change, it is not eligible for filing under this statute.
The words Aname change@ or Achange of name@ are not in this statute and are not acceptable.
Just the word Aconversion@ would not be acceptable. It must be as shown above, Aconversion from federal to state charter@ or Aconversion from state to federal charter@.
AAmendment to Articles@ or Amendment to Articles of Incorporation@ is acceptable.
4. The cite of the name change must be in the BODY of the document and it may also be in the Acknowledgment of the document. Anywhere above the signature will be considered part of the body of the document.
EXHIBIT II
2
5. Torrens Property Only - If a corporation has gone through more than one name change, the Satisfaction or Partial Release only needs to cite the name from the certificate of title and the newest name. If the corporation was A, then B, then C, then D, the cite may be AD@ through the consolidation of AA@ or AA, now by consolidation D.@ If it cites all the changes, it is acceptable, but not necessary. 6. There can be no alterations to the reason cited as causing the change.
For instance, if the Satisfaction states AA, through change of name from B@, the words Achange of name@ cannot be crossed out or deleted and the word Amerger@ put in its place. This is an unacceptable alteration. The document must be re-drafted and re-signed or the name change filed.
Also, for instance, if the Satisfaction states AA through merger with B@, Amerger@ cannot be crossed out or deleted and the word Aconversion@ put in its place. This is an unacceptable alteration. The document must be re-drafted and re-signed or the name change filed.
There will be many ways the name change cite will be written. All we can do is make sure that we understand which is the old name and which is the new name.
Some examples are:
- A, f/k/a B, by merger - B now by consolidation C - A n/k/a B through amendment to articles of incorporation - D by conversion from federal to state charter from C
If your document doesn=t meet the above requirements, the document can still be filed, but the name change document would have to be filed first, just as if the cite wasn=t in the document; or the document may be re-drafted to meet the above requirements. No alterations are acceptable to the reason for the change.
If, through your personal knowledge, the cite in the document is incorrect, the document should not be accepted. This is not intended to be a cure-all for mortgagees who hold title to the mortgage in an incorrect name.
EXHIBIT V – PAGE 1 OF 2
AUDITOR-TREASURER Sandra Norikane 218-547-7260
SPLITTING OF PROPERTY OR TAX PARCEL NUMBERS
There are several different types of splits that are described on the attached sheet that will require split fees pursuant to County Ordinances. When any split of property occurs, the current year’s real estate taxes will need to be paid in full pursuant to MS §272.121. The Cass County Environmental Services Department may require a certificate of survey (abstract property only). For Torrens property, a registered land survey or plat will be required unless you can provide a simple legal description according to MS §508.47. You must have prior approval from the Registrar of Titles before any splitting of torrens property occurs. The Environmental Services Department may also require site evaluations in regard to existing or potential individual sewage treatment systems. ANY SPLITS SHOULD RECEIVE PRIOR APPROVAL BY
THE AUDITOR’S OFFICE, ENVIRONMENTAL SERVICES AND THE RECORDER/REGISTRAR OF TITLES.
EXHIBIT V – PAGE 2 OF 2 Cass County Auditor-Treasurer December 18, 2018
AUDITOR-TREASURER Sandra Norikane 218-547-7260
Split Fee Schedule
SPLIT FEES $ 35.00 Per lot when splitting apart existing lots of record that have been combined by the county for administrative purposes. $ 75.00 Per lot when creating a new lot of record with a certificate of survey or when splitting apart existing lots of record that have never been on separate parcel numbers. $ 150.00 Per lot when creating a new lot of record without a certificate of survey (in those few cases when it can be done without a certificate of survey.) $ 100.00 For first lot in platted subdivisions, minor subdivisions and
registered land surveys. Plus $20.00 per lot thereafter. TAX RECALCULATION FEES $ 35.00 Per lot per tax year with a certificate of survey. $ 60.00 Per lot per tax year without a certificate of survey
(in the few cases in which it can be done without a certificate of survey).
Please call the Cass County Auditor-Treasurer’s Department at 218 547-7260 if you have questions on these fees.
EXHIBIT VI
Kathryn AKatie@ M. Norby, Cass County Recorder, P.O. Box 3000, Walker, MN 56484 1 of 2
FEE SCHEDULE (Effective 1-1-2019)
ABSTRACT FEES
STATUTE '357.18
Recording Fee
$46.00 per document
Multiple Assignments, Partial Releases or Satisfactions with more than one document # or book & page cited
$46.00 for up to 4 document #=s, and an additional $10.00 for each document # thereafter
Well Certificate
$50.00 (effective 7-21-2011)
Certified Copy
$10.00
Certified copies of Plat
$15.00
Recording fee of a Plat (including CIC plat)
$56.00
Attested Copy (a/k/a filing data copy)
$2.00 per copy (copy must accompany the original document) (a postage paid, self-addressed envelope is required for return of said copy)
FEES set by County Ordinance
Non-certified copies of Plats
$10.00 for approximate 24"x36" size. $1.00 per page for reduced size copy w/$2.00 minimum when mailed
Copies (non-certified)
$1.00 per page, w/$2.00 minimum when mailed
TORRENS FEES (per MS Chapter 508)
STATUTE '508.82
Memorials
$46.00 for 1st Certificate (+ $20.00 for each additional Certificate thereafter)
Transfers
$46.00 for 1st Certificate (+ $40.00 for each additional Certificate thereafter)
Residue Certificate
$40.00
Attested Copy (a/k/a filing data copy)
$2.00 per copy (copy must accompany the original document) (a postage paid, self-addressed envelope is required for return of said copy)
First Certificate of Title (original registration)
$46.00 (+ $40.00 for each additional Certificate thereafter)
Plat
$56.00
Registered Land Survey
$56.00
Exchange Certificates
$20.00 to cancel each old certificate and $20.00 to issue each new exchange certificate
First Certificate of Possessory Title (per MS Chapter 508A)
See Statute '508A.82 - $46.00 (+ $40.00 for each additional Certificate thereafter)
Certificate of Condition
$50.00 per Certificate of Title
Searches to accompany the Certificate of Condition
$20.00 per name for State, Federal Tax Liens & MN Dept. of Economic Security Liens $5.00 per parcel for current real estate taxes $5.00 per parcel for delinquent real estate taxes $5.00 per parcel for special assessments
EXHIBIT VI
Kathryn AKatie@ M. Norby, Cass County Recorder, P.O. Box 3000, Walker, MN 56484 2 of 2
FEES FOR RECORDER=S OFFICE SET BY COUNTY ORDINANCE
Non-certified copies (from photocopier, microfilm or imaging)
At the counter - $1.00 per page By mail - $1.00 per page with a $2.00 minimum
FAXED or E-MAILED copies
$4.00 for 1st page and $3.00 per page thereafter for letter & legal size pages $10.00 for an e-mailed copy of a plat
Large copies made w/plat copier (maximum size is 24x36) (such as copies of surveys, architects drawings, building plans, etc.)
$5.00 per copy/page for B/W $10.00 per page for color
Reports (such as all mortgages recorded for a period of time, etc.)
$50.00 minimum or $1.00 per page plus an additional $10.00 per mailing for postage/shipping
Weekly reports (for all documents recorded)
$500.00 per year plus an additional $5.00 per mailing (aka per week) for postage
Searches to accompany the Certificate of Condition for Torrens Property
$5.00 per parcel for current real estate taxes $5.00 per parcel for delinquent real estate taxes $5.00 per parcel for special assessments
X:\MANUAL\EXH-VII DT-MRT.doc EXHIBIT VII – Page 1 of 2
How to figure Deed Tax for deeds notarized and recorded after July 31, 2001:
Multiply the total amount of the purchase price by .0033. You do need to round up to the nearest penny when the third digit after the decimal is 5 or above. Example - Purchase price is $55,699.00 Multiply by .0033 = $183.8067 Amount of Deed Tax - $183.81
Minimum Deed Tax is required in the sum of $1.65 for anything with a purchase price/consideration of $500.00 or less.
Deed Tax History: Deeds executed 8-1-2001 through the present - figure as above-stated. Deeds executed 8-1-1987 through 7-21-2001 - $3.30 per thousand - miminum $1.65 Deeds executed 1-1-1968 through 7-31-1987 - $2.20 per thousand - minimum $1.10 Deeds executed 8-1-1959 through 12-31-1967 - $1.10 per thousand - minimum $1.10 Federal Internal Revenue Stamp Tax of $1.10 per thousand with $100 or less being exempt expired on 1-1-1968
k k k k k k k
How to figure Mortgage Registration Tax for Mortgages dated or notarized after July 31, 2001:
Multiply the amount of the mortgage by .0023. You do need to round up to the nearest penny when the third digit after the decimal is 5 or above. Example: Amount of mortgage is $31,607.88 Multiply by .0023 = $72.698124 Amount of MRT = $72.70 CHECKS FOR DEED TAX OR MORTGAGE REGISTRATION TAX SHOULD BE MADE PAYABLE TO THE CASS COUNTY TREASURER.
X:\MANUAL\EXH-VII DT-MRT.doc EXHIBIT VII – Page 2 of 2
X:\MANUAL\EXH-VIIA Separate Checks.DOC EXHIBIT VIIA Page 1 of 1
CASS COUNTY RECORDER/REGISTRAR OF TITLES Kathryn “Katie” M. Norby (218) 547-7381 Abstract Dept. – 547-7381 & 547-7288 Torrens Dept. – 547-7249 Chattel Dept. – 547-7233 WHEN RECORDING DOCUMENTS, PLEASE ISSUE SEPARATE CHECKS AS FOLLOWS:
CASS COUNTY TREASURER CASS COUNTY RECORDER Deed tax Recording fees
Mortgage registration tax Real estate taxes
Split fees
EXHIBIT XVII Page 1 of 2
EXAMPLES OF NOTARY ACKNOWLEDGMENTS EXAMPLE FOR AINDIVIDUAL@ ACKNOWLEDGMENT: State of Minnesota } } ss County of Cass }
This instrument was acknowledged before me on March 1, 2016, by John Q.Public, a single person*, Grantor.
____________________________________________ Notary Public
*Other Options for Individual Acknowledgment: John Q. Public, an unremarried widower Jane M. Public, an unremarried widow Jane M. Public, a divorced and unremarried person Mary S. Doe, wife of John R. Doe John R. Doe, husband of Mary S. Doe Mary S. Doe, spouse of Jane W. Roe John C. Jones, spouse of David L. Smith EXAMPLE FOR AHUSBAND AND WIFE@ ACKNOWLEDGMENT: State of Minnesota } } ss County of Cass }
This instrument was acknowledged before me on March 1, 2016, by John R. Doe and Mary S. Doe, husband and wife**, Grantor.
____________________________________________ Notary Public
**Other Options for Husband and Wife or Spouses Acknowledgment: John R. Doe, married to Mary S. Doe, and Mary S. Doe, married to John R. Doe John C. Jones, spouse of David L. Smith, and David L. Smith, spouse of John C. Jones Mary S. Anderson, spouse of Susan B. Carmen, and Susan B. Carmen, spouse of Mary S. Anderson Mary S. Anderson and Susan B. Carmen, spouses of each other John X. Doe and David R. Smith, married to each other EXAMPLE FOR ATRUSTEE@ SIGNATURE:
EXHIBIT XVII Page 2 of 2
State of Minnesota } } ss County of Cass }
This instrument was acknowledged before me this 10th day of March, 2016, by John Q.Public, Trustee of the John Q. Public Revocable Trust dated January 1, 2003, Grantor.
____________________________________________ Notary Public
EXAMPLE OF ACORPORATE@ ACKNOWLEDGMENT: State of Minnesota } } ss County of Cass }
This instrument was acknowledged before me on March 1, 2016, by John Doe and Mary Roe, the President and Secretary of Custom Construction, Inc., a corporation under the laws of the State of Minnesota, on behalf of the said corporation.
____________________________________________ Notary Public
EXAMPLE OF AATTORNEY-IN-FACT@ ACKNOWLEDGMENT: State of Minnesota } } ss County of Cass }
This instrument was acknowledged before me on March 1, 2016, by Edward G. Smith, as attorney-in-fact for John Q. Doe, a single person , Grantor.
____________________________________________ Notary Public
EXHIBIT XVIII Page 1 of 1
CASS COUNTY RECORDER/REGISTAR OF TITLES Kathryn “Katie” M. Norby (218) 547-7381 Abstract Dept. – 547-7381 & 547-7288 Torrens Dept. – 547-7249 UCC Dept. – 547-7233
PLEASE REVIEW AND PROOF YOUR DOCUMENTS BEFORE RECORDING.
It is the Submitter’s responsibility to ensure the
completeness of the documents being submitted for recording. Please double check the documents
and fees before you send them to us to avoid delays in the recording process.
EXHIBIT XX – ONLINE LAND RECORDS SUBSCRIPTION OPTIONS
Exhibit XX
E X H I B I T X X A P a g e 1 | 7
IDOCMARKET – SEARCH TIPS RECORDER/REGISTRAR OF TITLES SEARCH – To search by document number you must enter the document number as a ten character document number (Current document numbers must be preceded by A000 for abstract documents or T0000 for torrens documents: Examples - A000480987 or T000022405.) Hint: You can narrow your search by combining search criteria, such as name and beginning date or name and legal description. However, entering too much information for search criteria may narrow your search too much so that you will get zero results. SEARCH BY PARTY – use this format: Gore, Robert. You should look at all listings with the correct middle initial and those with no middle initial. (Note: When you enter two names to search by, the program will only reveal those documents that contain both names.) (We currently only have party names going back to 5-4-1964 – more are being added on a daily basis.) SEARCH BY DOCUMENT NUMBER - You can search by the document number of your desired instrument. (All document numbers must contain a ten character alphanumeric number. Most are preceded by an A000 for abstract documents or T0000 for torrens documents: Examples - A000480987 or T000022405). SEARCH BY PIN – Only those documents that come to us with a Parcel Identification Number stated on the document are indexed by said number (which is mostly just deeds). Not all documents can be located by the nine digit PIN number. Our current parcel numbers only go back to late 1989. Example: 41-032-1401 SEARCH BY SUBDIVISION (also known as “plat”) – Type the first 3-5 characters of the subdivision name/plat name and then click on the ↓ button. Select the desired plat name by clicking on it. Enter a lot and/or block number. It is not recommended to search by a large range of lots. If the name of the subdivision contains the name of a city, try searching by the city name. SEARCH BY SECTION, TOWNSHIP & RANGE with quarter quarter section: In the Section called RURAL LEGAL enter the section, township and range number and enter the quarter quarter section either manually in the “description” line or by clicking the appropriate quarter quarter on the grid map. Remember you will only get unplatted land in this search. If the land has been platted you must search by the updated legal. (Note: A manual description would need to be entered as follows: NW¼SE¼ should be entered as NW4SE4; the E½NE¼ should be entered as E2NE4. Formula: ¼ = 4 and ½ = 2) SEARCH BY SECTION, TOWNSHIP & RANGE and GOVERNMENT LOT: Enter the section, township and range number in the section called Section/Township/Range; enter the Government Lot number in the section called Gov Lot.
E X H I B I T X X A P a g e 2 | 7
SEARCHING FOR OLDER DEEDS RECORDED BETWEEN 1900 AND 1965 : You will need to search through the Tract Indexes or Plat Indexes to find the location of the deeds. The indices will show a Deed or Document of Conveyance by a slash “/” after the book number: See Examples below. Enter the Deed Book in the Book/Page fields entering the Book number or letter with a slash “/” in the first field and the page number in the second field. Book/Page 52/ 361 Book/Page Y/ 642 RESULTS SCREEN – After you enter your search criteria and click SEARCH you will get a list of documents that fit the parameters of your search criteria. This list will give you minimal index information. However, if you click on PREVIEW, you will see additional indexing information as follows:
Document number Document type Document date Date of Recording Number of pages Grantors Grantees Legal descriptions Parcel number Related or Associated document numbers
Clicking on the VIEW button will allow you to view the images of the actual recorded document. The images will appear with a watermark through each page. However, if you print any page of the document, the watermark does not show on the printed page. Indexing and Verification (or Validation) Dates: The general rule is that the grantor/grantee (party) index and tract index are available 2-3 working days after being recorded. The Verification or Validation date is when the index data and images have been double checked for accuracy. Note: the index date and verified date may fluctuate with the volume of documents recorded. For more information contact: Kathryn “Katie” M. Norby – Cass County Recorder Phone: 218-547-7381 e-mail: [email protected] Kim Fagerman – Chief Deputy Recorder Phone: 218-547-7249
E X H I B I T X X A P a g e 3 | 7
LEGEND To
TRACT INDEX BOOKS or PLAT INDEX BOOKS
SYMBOL BOOK OF
/ = Deeds or Patents X = Mortgages 5 = Miscellaneous
OAA = Old Age Assistance Liens FD = Final Decrees
P or Powers = Powers of Attorney L or Liens = Road Lien Records
Bds or Bonds = Bond Records EXAMPLES W/265 Book W of Deeds, page 265 52X123 Book 52 of Mortgages, page 123 Z52 Book Z of Miscellaneous, page 2 1OAA35 Book 1 of Old Age Assistance Liens, page 35 BFD419 Book B of Final Decrees, page 419 3L274 Book 3 of Liens, page 274 5BDS52 Book 5 of Bonds, page 52
Book of Deeds or Original Entries Book, Books A-Z (except V), & Books 1-135 Book of Patents Books G, K, 10, & 18 (Note: There is also a Book G & K of Deeds) Book of Mortgages Books A-Z (except V) & Books 1-94 Miscellaneous Books Books A-Z (except V) & Books 1-6 Book of Old Age Assistance Liens Two Books – the first book has no number or letter & Book 1 Book of Final Decrees Books A, B & C (Note: There are two Book A’s which are basically the same.) Book of Powers of Attorney Books 1, 2, 3, 4, & 5 Book of Road Lien Records Books A, B, C, D, & E Book of Bond Records Books, A, B, C, D, E, & F
Tract Index Books (unplatted property) Books A, B, C, D, E, F, G, H, I, & J Plat Index Books (platted property) Books, A, B, C, D, E & F
E X H I B I T X X A P a g e 4 | 7
ADDITIONAL SEARCH TIPS FOR www.idocmarket.com Abstract & Torrens Documents are: INDEXED BY: (Effective 3-11-2004)
EXAMPLE(S):
Document Type
Warranty Deed
Document Number (ten characters)
A000480987 T000022405
Recording Date
March 11, 2004
Recording Time
09:00:00 A.M.
Document Date
March 8, 2004
Consideration (Amount of)
$1.65
Party Names
Smith, Mary Y Smith, Donald X First National Bank of Walker
Associated Documents
Delivered To
Notes
Parcel # (if showing on document)
##-###-####
Location = Volume # & Page # of Certificate of Title (Note: Page number is also the Certificate of Title number) (Torrens Only)
BK: 20 PG: 4989
E X H I B I T X X A P a g e 5 | 7
Tract Index Books are: INDEXED BY:
EXAMPLE(S):
Document Type
Tract Index
Document #
INDA000056
Party Name (a/k/a Book Name)
Tract Index Book Original Entries Tract Index Book A Tract Index Book B Tract Index Book C Tract Index Book D Tract Index Book E Tract Index Book F Tract Index Book G Tract Index Book H Tract Index Book I Tract Index Book J Tract Index Book K Tract Index Book L
Tract
section #, township #, range # 5-140-29
Plat Index Books are: INDEXED BY:
EXAMPLE(S):
Document Type
Plat Index
Document #
PLINDB0001
Party Name (a/k/a Plat Index Book name)
Plat Index Book A Plat Index Book B Plat Index Book C Plat Index Book D Plat Index Book E Plat Index Book F
Subdivision (a/k/a plat name)
Towering Pine
Lot #, Block #
Lot 2, Block 1
E X H I B I T X X A P a g e 6 | 7
Certificates of Title for Torrens Property (a/k/a Registered Property) INDEXED BY:
EXAMPLE(S):
Document Type
Certificate of Title
Document #
CERT002885
Party Name (a/k/a Certificate of Title number)
Certificate of Title #2885
Tract
section #, township #, range # 33-133-29
Subdivision
Castle Addition to Bigwater
Lot #, Block #
Lot 1, Block 15
Miscellaneous Index Books are: INDEXED BY:
EXAMPLE(S):
Document Type
Miscellaneous Index
Document #
MISC20000A MISC10000W
Reference #
A, B, C, D, E, F, G, H, I, J, K, L, M, N, O, P, Q, R, S, T, U, V, Y, Z
Party Name (a/k/a Book Name)
Miscellaneous Index Book A Miscellaneous Index Book 1 Miscellaneous Index Book 2
Government Plats are: INDEXED BY:
EXAMPLE(S):
Document Type
Government Plat
Document #
GOVPLAT001 through GOVPLAT077
Party Name (a/k/a Book Name)
Government Plat Book
Tract
Township # & Range #
E X H I B I T X X A P a g e 7 | 7
Torrens Index Cards are: INDEXED BY:
EXAMPLE(S):
Document Type
Torrens Index Card
Document #
TCARD00013
Party Name
Torrens Index Card
Tract
section #, township #, range # 33-133-29
Subdivision
Castle Addition to Bigwater
Lot #, Block #
Lot 1, Block 15
Abstract Deed Books are: INDEXED BY:
EXAMPLE(S):
Document Number
A000123456
Location: Book # Page #
124/ (Must use slash for deed books) 339
Deed books W, X, Y & Z and Deed Books 1 through 135 are available at this time. (We still need to scan/image Deed Books A-V.)
X:\CSA-TYLER\WEBSITE INFO RE IDOCMARKET\DISCLAIMER FOR ACCESS TO REAL ESTATE RECORDS IN CASS COUNTY.docx 3/15/2019 EXHIBIT XXI
ACCESS TO REAL ESTATE RECORDS IN CASS COUNTY, MINNESOTA
RECORDER/REGISTRAR OF TITLES
DISCLAIMER FOR ON-LINE LAND RECORDS
The information provided in www.idocmarket.com reflects the information maintained by the Cass County, Minnesota Recorder's Office. This information is being provided online as a public service. Neither Cass County, Minnesota, nor any agency, officer, or employee of Cass County warrants the accuracy, reliability, validity or timeliness of any information published on this website, nor endorses any content, viewpoints, products, or services linked from this website, and shall not be held liable for any losses caused by reliance on the accuracy, reliability, validity or timeliness of such information. Portions of such information may be incorrect or not current. Any person or entity that relies on any information obtained from this website does so at his or her own risk.
Errors and Omissions: This is a working index and may contain errors and omissions due to errors in the preparation of the original document or in the indexing. It is recommended to search several different ways for each property, such as by party name and legal description and other pertinent information.
Images: The images are authentic reproductions of the actual document and the quality is usually good. However, blue or light-colored ink used on original documents do not reproduce well. A few older documents may be illegible since there was no requirement for legibility until 1997.
What is Available: Data and images are available for abstract documents from the present time back to May 1, 1965; Abstract Deed Books are available from 1900 to 1965; all torrens documents and Certificates of Title are available; all Tract or Plat Index Books are available and all recorded Plats are available.
Index and Verification dates: The general rule is that the grantor-grantee (or party) index, tract index and images are available 2-3 working days after being recorded. There are occasional exceptions due to equipment failures and high recording volumes.
PRINTING INSTRUCTIONS EXHIBIT XXII Page 1 of 5
PRINTING INSTRUCTIONS for www.idocmarket.com :
You can print all pages of the document or you can print various selected pages of the document.
To print all pages, simply click the radial button “○” in front of the “All Pages”
To print selected pages, click the second radial button and enter in the white box the specific pages you want to print separated by a comma: 1,3,5 or 1,3,15,17. You can also select a range of pages along with selected individual pages: 1-3, 14, 15, 18.
Then click the blue PRINT button.
IdocMarket will take you to your Print page where you can choose which printer you want to use, if you want to print double sided, change the size of the print, etc.
WARNING: DO NOT TRY TO CHANGE THE SELECTED PAGES IN THIS PRINT PAGE. YOU WILL ONLY BE ALLOWED TO PRINT THE PAGES YOU REQUESTED IN IDOCMARKET.
The final step is to click “Print”.
NOTICE: If you click the first radial button for PRINT ALL PAGES and then go to the second print page and select individual pages, you will be charged for ALL pages in idocmarket. Make sure you select the individual pages you want to print in the first print page area, not in the 2nd print page area.
TRUSTED SUBMITTERS for electronic recording
ePN
Pam Trombo 888-32!">-3365 x 11240
ptrombo@er«Ofd�ners.net
WWW.N'ecordl�s.net/
tndecomm Global services
eRecord supoort 651-76>0400
www.Jntetedocdirect.net
C5C
Jana Miyasaki 435-374-0145
www.lngeo.com/
Slmpllflle
Melanie Gornick 801-223-1050
�k@slmpllfile com
www.simphfi .com
Nationwide Title Clearing
Brian Ernissee 727-nl...WOO ic.210
Brlan_Hnlsseefifnwtc.com
www.nwtc.com
E-RECORDING INFORMATION XXIII
g •·•·••u •• NetM• ·••••ft •Na111a aa ee,tr .. at
·-- • Title Clearing-
Page 1 of 4
FAQ's I
Call toll r, ... 0307 472 1942
MNERERC Ii
RESOURCES
FAQ's
!::!2!!:m FAQ"s
Why eRecord? +
What are the benefits of eRecording for a business? +
What are the benefits of eRecording for a county? +
Are there any risks in eRecording documents? +
When should documents be eRecorded? +
+
t
t
What eguipment and software does a county need to eRecord and how do they pay for It? t
ow uch does ·t cost to eRecord an original document? +
+
ecorded? +
When Is an electronic document deemed to be recorded or registered? +
Does eRecording have any impact on crjority? +
nt submitter submits an eDocument for recording or re lstratio when t�
Is a Recorder or Registrar responsible foe determining whether an electronic document is an original +
instead of a copy?
Does an electronic document satisfy the statutory recording. E!xecution. and acknowledgm� reguirements that apply to paper documents'
May a eoocument submitter eRecord a certified copy of a document?
E-RECORDING INFORMATION
http://www.mnererc.com/faqs/ XXIII
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+
t
DEFINITIONS
Page 1 of2
GlJIDELINES
Pa9.e 2 of 4
j/6/2019
FAQ's I
May a eDocument submitter remove staples from a stapled document or certified copy of a document
sus;h as a document that has been recorded in another recording jurjsdictjon or a certified copy of a
document that has been obtained from a state or federal court, in order to eRecord it or must that type of document be submitted by physical delivery to the recorder's office?
May a eDocument Submitter eRecord documents 9,[jginated in jurisdictions outside of Minnesota? +
May a county change an original document or the recording order of original documents submitted in a +
single package?
If the eDocument submitter data in Level II does not match the submitted image may the county index the
document based on the information in the document image?
May a county change the document type of a document submitted by a eDocument submitter?
What the difference between Model L II JII documerus
Models of eRecording defined as:
Model 1: Paper document
Ink signatures scanned by submitter for transmission to jurisdiction
Model 2: Paper document
Ink signatures scanned by submitter for transmission to jurisdiction
Indexing data included with image
Model 3: Fully electronic document with tagged data elements
Electronic signatures
(PRIA.US website March 2015)
Copyr,ghts lfi 2014 I Minnesota Electronic Real Est;ite Recording Corrnss1on
E-RECORDING INFORMATION
http://www.mnererc.com/faqs/ XXIII
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Page 2 of2
Page 3 of 4
3/6/2019
GUIDELINES FOR E-RECORDING SCANNING
Scan each document separately as a .tif file ONLY. (Not .pdf, not .jpg . . .) Fuzzy or granular image(s) are likely caused because it was scanned in as a .pdf image which is not allowed at this time. RE-SCAN the document as a .tif image.Scan at a minimum of 300 dpi. However, any maps, surveys or pages with small details should be scanned at a minimum of 400 dpi.Scan in Black & White ONLY (not color, not greyscale)Scanning in a color document may need special scanner settings in order to get the best Black & White image you can. If you cannot get a clear B&W image then I would recommend you record the document as a paper document. DEATH CERTIFICATES CANNOT SAY "VOID" in the scanned image. You may need to lighten the scanner settings in order to get a good copy of the Death Certificate.
Scan in pages cleanly - use deskew, despeckle and black border removal if necessary. Adjust the contrast and/or resolution. If that doesn't completely fix the image(s), tweak your scanner settings and RE-SCAN and repeat if necessary.Make sure all signatures are scanned in clearly. If they don't come through well, change your scanner setting and RE-SCAN.Make sure you are capturing everything on each page so you need to review your images. Any information that is close to the edge of a page may not show completely on the image. You may need to change your scanner settings to capture everything.Darken impression seals with some old carbon paper or with a pencil so it will show up on the image.
Fuzzy or granular image(s) are likely because it is a .pdf image which are not allowed. RE-SCAN the document as a .tif image.Review your scanned images to make sure you have captured every page (back to back gets missed sometimes) and remove extra blank pages that may have been scanned.Remember, you MUST scan the ORIGINAL document ONLY. (No photocopies) and septic disclosure documentation must be scanned in as HELPER images, not as part of the Original Document.PLEASE remember you are creating a digital document that must be legible and needs to be a permanent record. Take some pride in scanning it in so that it looks just as good as the original. THANK YOU!
E-RECORDING INFORMATION EXHIBIT XXIII Page 4 of 4