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    Subdivision 1. No notice. A recital of the existence of an unrecorded mortgage in an
(1) that affects title to real property and
(2) is recorded with the county recorder of the county where the real property is located,
is not actual or constructive notice to a subsequent purchaser or encumbrancer once five years
have passed since the date of the instrument containing the recital, unless the conditions in
subdivision 2 are met.
    Subd. 2. Notice. If, in the circumstances described in subdivision 1, an action to foreclose
the unrecorded mortgage was commenced and a notice of pendency or notice of lis pendens
was recorded during the five-year period, then, the recital is actual or constructive notice of the
unrecorded mortgage to a subsequent purchaser or encumbrancer of the real property.
    Subd. 3. Foreclosure period unaffected. This section does not limit or extend the period,
set out in section 541.03, to bring an action to foreclose a mortgage.
    Subd. 4. If lis pendens before March 1995. This section does not affect a proceeding to
foreclose a mortgage pending on August 1, 1994, or to be commenced in a court of this state
if, before March 1, 1995, a notice of lis pendens has been recorded in the office of the county
recorder or filed in the office of the registrar of titles.
History: 1943 c 180; 1947 c 626 s 1; 1976 c 181 s 2; 1994 c 388 art 1 s 5