Court Opinion

ID: 6998675
Source: CourtListenerOpinion
Date Created: 2022-07-24 03:37:59.783179+00
Date Added: 2024-06-11T16:09:51.351113
License: Public Domain

Mr. Justice Burroughs deliveeed the opinion op the Count. In this proceeding appellee seeks to correct a mistake in the description of the land described in his mortgage, as made and recorded, by having supplied the number of the township, which was omitted by mistake of the scrivener, and when so corrected to have the court decree that the indebtedness secured by his mortgage be the first lien upon said land, from the date of the recording of the mortgage. The court below having decreed appellee the correction and first lien as sought by him, appellant asks this court to reverse so much of said decree as gives appellee priority of lien on his mortgage indebtedness over the lien of his judgment and execution, as his lien was perfected before appellee filed his bill herein to have said correction made. Therefore the only question presented by this record is the right of appellee to the priority of lien given him by said decree as against appellant. Ho actual notice of the omission in the description of the premises is shown to have been given appellant, by the evidence in this record, before appellee filed his bill in the court below, except that which the law would charge him with, upon the inspection of the recorded mortgage containing the omission. -It is contended by appellant that the rule that “ what is sufficient to put a party on inquiry is notice of whatever the inquiry would have disclosed,” has no application where there is no actual notice, but the rule applies only to actual and not to constructive notice; while the appellee contends that the rule that should be applied to the facts in this record is that “ whatever is notice enough to excite attention and put a party on his guard and call for inquiry, is' notice of everything to which such inquiry might have led, and every unusual circumstance is a ground of suspicion and prescribes inquiry;” and that constructive notice of these facts is sufficient. When we examine the description in this mortgage as written and recorded, it will 'occur to the mind of any reasonable person that without supplying some township to the description of the premises as therein set forth, no particular land is in fact described; but from the entire mortgage, as written and recorded, the parties thereto did in' fact intend to describe therein some particular land. In the chain of title to the particular land in question in this proceeding, the land records of McLean county disclose, as shown by the evidence in this case, that appellee had conveyed this land in question a short time before this mortgage was made, to the mortgagor, and he, the mortgagor, had given appellee a mortgage thereon, which mortgage was satisfied the same day that the mortgage in question was made. These facts, we think, were sufficient to put appellant upon inquiry as to what particular land the parties to the mortgage in question intended to have it apply; and he ought to have made inquiry of appellee as to the matter, and had he so applied to appellee he would have doubtless ascertained from him that the land in question was the land intended to be described in this mortgage. See Merrick v. Wallace, 19 Ill. 486; Bent v. Coleman et al., 89 Ill. 364; Bank v. Dayton, 116 Ill. 257; Russell v. Ranson, 76 Ill. 167. Appellant presses upon our attention the case of Munford v. McIntyre, 16 Ill. App. 316, and insists it is decisive of this case, but as we view it, that case was properly decided and does not militate the least against what we hold in this case; there the mortgage described perfectly a tract of land in section thirteen and it was sought to correct the mortgage as against subsequent creditors without notice and make the mortgage apply to land in section twelve; and the Appellate Court of the Fourth District properly held that it' could not be done, because the mortgage in question in that case, and the record thereof, showed a perfect description, therefore it contained nothing to excite suspicion and thus put the judgment creditors in that case upon inquiry. We are also referred by appellant to the case of Battenhausen v. Bullock, 11 App. 665, which was affirmed in 108 Ill. 28. In that case it was sought, as against a subsequent bona fide purchaser for value, to correct a deed of trust, which failed, to give any amount of indebtedness which it secured, so as to make it secure a $6,000 note not described in the deed of trust, and the Appellate and the Supreme Court both properly held this could not be done, because the policy, if not the letter of our statutes, requires in all cases of mortgages and deeds of trust, that a statement therein and upon the record thereof, of the amount of indebtedness secured, should be made, and many evils are pointed out in the opinion of the Supreme Court in that case, that would arise if such statement of the amount of indebtedness secured was not required to be made in the mortgage and upon the record, to bind subsequent purchasers and judgment creditors without actual notice. The case is clearly distinguishable from this case, in principle, we think, and therefore is not applicable to this case. For the reasons above, we affirm the decree of the court below in this case. Affirmed.