UCC Financing Statements as well as fixture filings have a five year effective period with the following exceptions:
Record of Mortgage – When a record of mortgage includes fixtures and is filed in the local land recording office, it is effective as a financing statement in regards to the fixtures and a UCC1 financing statement form does not need to be filed. In this case, the effective period is the same as the record of mortgage, which is until the mortgage is satisfied or otherwise released or terminated.
Manufactured Home Transactions – A manufactured home is a house or other structure which is fabricated off sited in whole or in parts and then transported and affixed to its permanent location. When a UCC financing statement is filed in connection with a manufactured home transaction the effective period is 30 years. Box 18 of the UCC1Ad for must be checked or the effective period will default to five years.
**The following states have only a five year effective period for manufactured home transactions: Georgia, Louisiana, North Dakota, Oregon and Washington. In West Virginia the effective period for manufactured home transactions is 40 years.
Transmitting Utilities – Filings for transmitting utilities are effective until terminated. Box 18 of the UCC1Ad form must be checked or the effective period defaults to five years.**Filings for transmitting utilities in Georgia are only effective for five years.
Public Finance Transactions – The effective period for filings connected with public finance transactions is 30 years.* In West Virginia the effective period for public finance transactions is 40 years.The Following states have only a five year effective period for public finance transactions: Alabama, Alaska, Arizona, Colorado, Florida, Georgia, Kansas, Michigan, Missouri, North Dakota, South Dakota and Washington.