Opinion of the Court by
Judge Lassing —
Reversing.
On June 8, 1911, J. A. Harris by written memorandum sold to C. H. and G-eorgetta Taliaferro, bis wife, a certain property near Owensboro in Daviess County, Kentucky, and obligated bimself for tbe sum of $1,500, to be paid on tbe installment plan, to convey said property to- said Taliaferro and wife by deed of general warranty, free from incumbrance, save a certain portion of tbe purchase price, wbieb it was agreed 'should remain a lien upon tbe land. After tbe execution of said contract tbe purchasers notified him that they wished to pay tbe cash consideration mentioned in tbe writing into which they bad1 entered, and requested him to' convey same according to tbe terms of their agreement. Pursuant to tbe agreement and at their request be bad prepared a deed conveying said property to the purchasers in accordance with the contract. It was duly signed and acknowledged by bimself and wife, according to law, and on tbe 20th day of June it was tendered by him to the purchaser and tbe cash payment therein provided for and demanded. Thereupon tbe defendants failed and refused to accept said deed or make the cash payment therein provided for, and, alleging that be was ready, [151]*151willing and able to make a perfect title to tbe said property, be instituted a suit to compel tbe purchasers to’ take it.
In tbeir answer the defendants set up two> defenses, first, they denied that tbe plaintiff was able to make a good and sufficient title to said property, and second, they pleaded affirmatively that tbe property in question bad been conveyed by one H. C. Duncan and wife to J. E. Baggett and Fannie Baggett, bis wife; that J. E. Baggett thereafter died, leaving two infant children under fourteen years of age, and that bis wife, Fannie Baggett, bad attempted to convey tbe entire property to tbe said Harris when she only owned tbe fee to a half thereof, and the fee to tbe remaining half, subject to her dower interest therein, was in her two infant children, and. that for this reason tbe said Harris was unable to make a good and perfect title .to said property and, therefore, they should not be required to take same; and they prayed that tbe petition be dismissed and for costs.
It appears that tbe defendants want tbe property and tbeir only reason for refusing to accept the deed is' that they were not satisfied that the plaintiff bad a right’ to convey. His title depends upon tbe. construction of tbe deed from H. C. Duncan and wife to J. E. Baggett and Fannie Baggett, bis wife. So' much of the deed as is material is as follows:
“This indenture made and entered into this 26th day of September, 1907, by and between H. C. Duncan and Annie L. Duncan, his wife, of Owensboro, Daviess County, Kentucky, of tbe first part, and J. E. Baggett and Fannie Baggett, bis wife or tbe survivor, of New-burg, Warrick County, Indiana, of the second part, Witnessetb: That tbe said parties of tbe first part for and in consideration of tbe sum of fourteen hundred and forty ($1,440) dollars paid and to be paid as follows * * * has this day and does hereby grant, bargain, sell and convey unto the said parties of tbe second part, tbe following described real estate * * * to have and to bold the above described real estate and premises, together with all the rights, privileges and appurtenances thereunto belonging or in anywise appertaining, subject to tbe foregoing limitations, restrictions and conditions, unto tbe said parties of tbe second part, tbeir heirs’ and assigns forever with a covenant of general warranty/’
Tbe question is much simplified by inserting in tbe [152]*152granting and habendum clauses of this deed the names ■of the parties in place of the words “parties of the second part.” When this is done the granting clause will read as follows: “Does hereby bargain, sell and convey unto the said J. E. Baggett and Fannie Baggett, his wife, or the survivor, the following described real estate.” And the habendum clause will read, “to have ■and to hold the above described real estate, and premises * * * unto the said J. E. Baggett and Fannie Baggett, his wife, or the survivor, their heirs and assigns forever.”
,. It may be insisted, however, that the words “or the ■survivor” should not be construed to be a part of. the-phrase “parties of the second part.” But in determining who are the “parties of the second part,” we-look to the caption of the deed, and. we there find that the “parties of the second part” are “J. E. Baggett and Fannie Baggett, his wife, or the survivor,” and hence, wherever these words “party of the second part” appear in the deed thereafter, in order that the intention of the' parties may be properly ascertained, the exact-words .which- the parties/ used as designating the “parties- of the second part” must.be inserted. When this is done but little difficulty is experienced in determining the question under consideration.
Section 2143, Kentucky Statutes, provides that:
“If .real estate be conveyed or devised to husband and wife, unless a right by survivorship is expressly provided for, there shall be no‘mutual right to the entirety by 'survivorship between them, but they shall take as tenants in common, and the respective moieties be subject- to the respective rights of the husband or wife as herein - fixed, with all other incidents to such tenancy.”
Applying the provisions of this statute to the facts in the case before us, we conclude that the right of survivorship referred to in the- statute is expressly provided for in this deed, for the words “or the survivor” are invariably used wherever the. name of Baggett and his wife appear in said’ deed.
In City of Louisville v. Coleburne, 22 Rep., 64, the-court had under consideration a deed conveying to Victor P. Wilson and Mary F. Wilson, his wife, certain property “for and during their natural lives, with re-' mainder in fee unto their child or children, if- any there he alive-at'the time of-the death of the said parties of the [153]*153second part.” In an elaborate opinion the court, speaking through Judge Burnam, said:
“We are of the opinion that the deed under which appellee holds comes within the exception provided by the statute, and secures to her a right by survivorship to the entire property during her natural life. * * * Her interest under this deed is a solid and not a joint tenancy. Victor P. Wilson could not in his lifetime have disposed of his interest so far as to sever .the tenancy and compel a partition of the property. The right ■to enjoy the whole estate was an entirety belonging to each of them.”
In McAllister v. Folden’s Assignee, 23 Rep., 113, a conveyance was made to a man and his wife by the wife’s father, the deed reciting that the conveyance was “to her and her husband during their natural lives only, and at their death the same is to revert to the legal heirs of the party of the first nart.” The wife died childless before her father and the question arose as to the extent of her husband’s estate in the land. Upon consideration it was held that under this deed the husband took an estate for life in the entire property,- the court saying:
“If we look to the intent of the grantors, by ordinary rules of construction it is obvious that the grantors did not intend, in case the husband died first, that the wife should be compelled to surrender one-half of the gifts. Whatever rule, would be . adopted in one event must be applicable also to the other.”
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Opinion of the Court by
Judge Lassing —
Reversing.
On June 8, 1911, J. A. Harris by written memorandum sold to C. H. and G-eorgetta Taliaferro, bis wife, a certain property near Owensboro in Daviess County, Kentucky, and obligated bimself for tbe sum of $1,500, to be paid on tbe installment plan, to convey said property to- said Taliaferro and wife by deed of general warranty, free from incumbrance, save a certain portion of tbe purchase price, wbieb it was agreed 'should remain a lien upon tbe land. After tbe execution of said contract tbe purchasers notified him that they wished to pay tbe cash consideration mentioned in tbe writing into which they bad1 entered, and requested him to' convey same according to tbe terms of their agreement. Pursuant to tbe agreement and at their request be bad prepared a deed conveying said property to the purchasers in accordance with the contract. It was duly signed and acknowledged by bimself and wife, according to law, and on tbe 20th day of June it was tendered by him to the purchaser and tbe cash payment therein provided for and demanded. Thereupon tbe defendants failed and refused to accept said deed or make the cash payment therein provided for, and, alleging that be was ready, [151]*151willing and able to make a perfect title to tbe said property, be instituted a suit to compel tbe purchasers to’ take it.
In tbeir answer the defendants set up two> defenses, first, they denied that tbe plaintiff was able to make a good and sufficient title to said property, and second, they pleaded affirmatively that tbe property in question bad been conveyed by one H. C. Duncan and wife to J. E. Baggett and Fannie Baggett, bis wife; that J. E. Baggett thereafter died, leaving two infant children under fourteen years of age, and that bis wife, Fannie Baggett, bad attempted to convey tbe entire property to tbe said Harris when she only owned tbe fee to a half thereof, and the fee to tbe remaining half, subject to her dower interest therein, was in her two infant children, and. that for this reason tbe said Harris was unable to make a good and perfect title .to said property and, therefore, they should not be required to take same; and they prayed that tbe petition be dismissed and for costs.
It appears that tbe defendants want tbe property and tbeir only reason for refusing to accept the deed is' that they were not satisfied that the plaintiff bad a right’ to convey. His title depends upon tbe. construction of tbe deed from H. C. Duncan and wife to J. E. Baggett and Fannie Baggett, bis wife. So' much of the deed as is material is as follows:
“This indenture made and entered into this 26th day of September, 1907, by and between H. C. Duncan and Annie L. Duncan, his wife, of Owensboro, Daviess County, Kentucky, of tbe first part, and J. E. Baggett and Fannie Baggett, bis wife or tbe survivor, of New-burg, Warrick County, Indiana, of the second part, Witnessetb: That tbe said parties of tbe first part for and in consideration of tbe sum of fourteen hundred and forty ($1,440) dollars paid and to be paid as follows * * * has this day and does hereby grant, bargain, sell and convey unto the said parties of tbe second part, tbe following described real estate * * * to have and to bold the above described real estate and premises, together with all the rights, privileges and appurtenances thereunto belonging or in anywise appertaining, subject to tbe foregoing limitations, restrictions and conditions, unto tbe said parties of tbe second part, tbeir heirs’ and assigns forever with a covenant of general warranty/’
Tbe question is much simplified by inserting in tbe [152]*152granting and habendum clauses of this deed the names ■of the parties in place of the words “parties of the second part.” When this is done the granting clause will read as follows: “Does hereby bargain, sell and convey unto the said J. E. Baggett and Fannie Baggett, his wife, or the survivor, the following described real estate.” And the habendum clause will read, “to have ■and to hold the above described real estate, and premises * * * unto the said J. E. Baggett and Fannie Baggett, his wife, or the survivor, their heirs and assigns forever.”
,. It may be insisted, however, that the words “or the ■survivor” should not be construed to be a part of. the-phrase “parties of the second part.” But in determining who are the “parties of the second part,” we-look to the caption of the deed, and. we there find that the “parties of the second part” are “J. E. Baggett and Fannie Baggett, his wife, or the survivor,” and hence, wherever these words “party of the second part” appear in the deed thereafter, in order that the intention of the' parties may be properly ascertained, the exact-words .which- the parties/ used as designating the “parties- of the second part” must.be inserted. When this is done but little difficulty is experienced in determining the question under consideration.
Section 2143, Kentucky Statutes, provides that:
“If .real estate be conveyed or devised to husband and wife, unless a right by survivorship is expressly provided for, there shall be no‘mutual right to the entirety by 'survivorship between them, but they shall take as tenants in common, and the respective moieties be subject- to the respective rights of the husband or wife as herein - fixed, with all other incidents to such tenancy.”
Applying the provisions of this statute to the facts in the case before us, we conclude that the right of survivorship referred to in the- statute is expressly provided for in this deed, for the words “or the survivor” are invariably used wherever the. name of Baggett and his wife appear in said’ deed.
In City of Louisville v. Coleburne, 22 Rep., 64, the-court had under consideration a deed conveying to Victor P. Wilson and Mary F. Wilson, his wife, certain property “for and during their natural lives, with re-' mainder in fee unto their child or children, if- any there he alive-at'the time of-the death of the said parties of the [153]*153second part.” In an elaborate opinion the court, speaking through Judge Burnam, said:
“We are of the opinion that the deed under which appellee holds comes within the exception provided by the statute, and secures to her a right by survivorship to the entire property during her natural life. * * * Her interest under this deed is a solid and not a joint tenancy. Victor P. Wilson could not in his lifetime have disposed of his interest so far as to sever .the tenancy and compel a partition of the property. The right ■to enjoy the whole estate was an entirety belonging to each of them.”
In McAllister v. Folden’s Assignee, 23 Rep., 113, a conveyance was made to a man and his wife by the wife’s father, the deed reciting that the conveyance was “to her and her husband during their natural lives only, and at their death the same is to revert to the legal heirs of the party of the first nart.” The wife died childless before her father and the question arose as to the extent of her husband’s estate in the land. Upon consideration it was held that under this deed the husband took an estate for life in the entire property,- the court saying:
“If we look to the intent of the grantors, by ordinary rules of construction it is obvious that the grantors did not intend, in case the husband died first, that the wife should be compelled to surrender one-half of the gifts. Whatever rule, would be . adopted in one event must be applicable also to the other.”
In neither of the cases from which we have quoted was the intention on the part of the grantors, that the survivor should take the whole property for life, so clearly expressed as in the case at bar. Indeed, the conclusion of the court, that the grantors intended the survivor to have the whole estate for life, may be more properly said to be inferred from the facts, circumstances and relations of the parties than' from the direct language used. In the case at bar neither the relationship nor the facts and circumstances out.of which ■the conveyance grows sheds any light upon the intention or wish of the parties; but the language used is so clear and positive as to leave no doubt whatever but that it was intended by the parties that the grantees should . enjoy the property together so long as they lived, and that; upon the death of either the survivor [154]*154was to take the whole. This manifest intention, as stated, finds expression as often as the names of the grantees are nsed in said instrument.
We are of opinion that, upon the death of her husband, Mrs. Fannie Baggett became the absolute owner in fee of the entire property, and by her deed she invested her purchaser, Harris, with the ábsolute fee simple title thereto. The court should have adjudged his title sufficient and required appellees to accept the deed and pay for same, as per the terms of their contract.
Judgment reversed and cause remanded, with instructions that a judgment in conformity with this opinion be entered.