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When a borrower pays off his or her mortgage or home loan, it means he or she has satisfied the debt. However, paying off the debt doesn't mean the property's chain of title is free and clear of the lien.
Mortgages: Do not require witnesses but must be acknowledged to be recorded.
You can find information on property records by contacting your local Secretary of State or county recorder of deeds. After you pay off your mortgage, your lender should also return the original note to you. You can also contact the company that paid off your loan to find out if the lien was released.
Your mortgage company should provide our office with a Satisfaction of Mortgage to be recorded in the Official Records of Orange County, Florida. You may contact us at (407) 836-5115 to request a search of your Satisfaction of Mortgage.
Yes. Even though witnesses for deeds are not required in California, two witnesses are required for deeds in Florida (FS 689.01). Without them, the deed cannot be recorded in the land records.
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People also ask

Recording the Mortgage Release Any real estate instrument that affects the title to a property \u2013 including a mortgage release \u2013 must be recorded at the register of deeds office in the county where the property is located. The lenders should arrange recording on your behalf.
A Satisfaction of Mortgage, sometimes called a release of mortgage, is a document that acknowledges that the terms of a Mortgage Agreement have been satisfied, meaning that a borrower has repaid their mortgage loan to the lender.
Your mortgage company should provide our office with a Satisfaction of Mortgage to be recorded in the Official Records of Orange County, Florida. You may contact us at (407) 836-5115 to request a search of your Satisfaction of Mortgage.
How do you get a Satisfaction of Mortgage? A Satisfaction of Mortgage is issued by the lender after they have received the final mortgage payment from the borrower. It's signed by the mortgagee (in the presence of a witness in some states and counties) and then notarized by a registered notary public.
A satisfaction of mortgage is a signed document confirming that the borrower has paid off the mortgage in full and that the mortgage is no longer a lien on the property.

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