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(7) A lender must, prior to the disbursement of any construction funds to the contractor, record the notice of commencement in the clerk's office as required by this section; however, the lender is not required to post a certified copy of the notice at the construction site.
Does the Florida Notice of Commencement expire? YES! NOCs in Florida expire one year after they are filed.
Florida Statutes Section 713.13 provides that an owner shall record a Notice of Commencement prior to commencing to improve real property, or recommencing completion of any improvements after default or abandonment of the construction.
To properly terminate a notice of commencement, the owner must swear to and include the following information in its recorded Notice of Termination: the same information as in the notice of commencement; the book and page reference numbers and date of the notice of commencement;
(7) A lender must, prior to the disbursement of any construction funds to the contractor, record the notice of commencement in the clerk's office as required by this section; however, the lender is not required to post a certified copy of the notice at the construction site.

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(3) The recording of a notice of commencement does not constitute a lien, cloud, or encumbrance on real property, but gives constructive notice that claims of lien under this part may be recorded and may take priority as provided in s. 713.07.
In order for the Notice of Commencement to be valid, it must contain the following information: A description of the property sufficient for identification (including the legal property description, street address, & tax folio number if available) Description of the improvements to be made.
The owner (of the property) must sign in two places on the Notice of Commencement, or the Owner's Authorized Officer/Director/Partner/Manager. o The owner or the person who signed must also sign under the Verification Pursuant to Section 92.525 of the Florida Statues, indicating that they have read the foregoing ...
The Notice of Commencement is a part of the Florida Lien Statute. This document is filed in county records and signifies the beginning of a project. While not required in some states, not filing the Notice of Commencement in Florida can unfavorably affect your lien rights in the state.
Recording a Notice of Commencement All information must be typewritten or legibly printed. Lines 1, 2, 3, and 4 must always be filled in. ... If line 5 applies, a copy of the Payment Bond must be attached to the instrument when it is recorded. Be sure to read the Warning to Owner.

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