Penny v. British & American Mortgage Co.

31 So. 96, 132 Ala. 357, 1901 Ala. LEXIS 200
Supreme Court of Alabama·Decided December 20, 1901·Published·Cited by 14 cases

Opinion

McCLELLAN, C. J.

— This is a statutory action in the nature of ejectment prosecuted by the mortgage [359] company against Penny. Plaintiff deraigned title, by mesne conveyances, from the defendant. It claimed that Penny conveyed to (1. W. Lancaster and Martha E. Lancaster, who were husband and wife, and that said Lancasters conveyed to it by mortgage which had been foreclosed the company becoming the purchaser at foreclosure sale and receiving a deed thereunder. The defendant attacks the first and second links in this alleged chain of title. His contention is, first, that the deed executed by him to the Lancasters was and is void because the. land constituted his homestead and the instrument was not executed nor attempted to be executed by his wife; and, second, that, assuming the validity of his deed to the Lancasters, and assuming further that they both joined in the mortgage to plaintiff, that mortgage ivas void for that at its date the land constituted their homestead and the instrument was not acknoAvledged by her as required by the statute. And he contends further that in any event the plaintiff acquired through its mortgage only the undivided one-half interest of (.1. W. Lancaster in the land for that Martha E. Lan-, caster joined therein only for the purpose of releasing and conveying her rights of doiver and homestead. If either the first or second position of defendant was up-ported on the trial bewond controversy, the defendant Avas entitled to the. affirmative charge which he requested, and which the court, refused to give; and if the third position was Avell taken and the others not, plaintiff Avas entitled to recover only the interest of G. W. Lancaster in the land sued for. We Avill consider these contentions of the defendant below as they have been presented in the brief for appellant here — in the inverse order of their statement above.

Assuming for the discussion of this and the succeeding point that Penny’s deed passed a good title, it is most clear and is not disputed that such title vested in G. W. Lancaster and Martha E. Lancaster as tenants in common each taking an undivided moiety in fee. The mortgage to the plaintiff company begins thus: “This indenture made and entered into this the 12th day of December, A. D. 1891, by and between George W. Lancaster, of the county of Cherokee and State of Alabama, [360] party of the first part, and the British and American Mortgage Company, Limited, party of the second part, witnesseth: That whereas the party of the first part has borrowed of the party of the second part three hundred dollars in gold, the receipt' of which is hereby acknowledged, and has given the following described five installment notes,” etc., etc., describing said five notes, and reciting that five interest notes have also been given and describing them, etc., etc., and thus proceeding: “And whereas said party of the first part desires to secure said indebtedness, principal and interest, as said obligations respectively fall due: Now therefoi*e, in consideration of the premises and one dollar in hand paid, the party of the first part has granted, bargained and sold, and by these premises does grant, bargain, sell and convey to the party of the second part,” etc., etc., “a certain tract or parcel of land;” etc., etc., describing the land: “To have and to hold,” ets., etc.; “and the party of the first part represents and covenants,” etc., etc., setting out the usual covenants. Following the covenants is the only reference in the instrument directly or indirectly to' Mrs. Lancaster. It is this: “And Martha E. Lancaster, wife of said Gr. W. Lancaster, of the first part, hereby expressly releases and conveys all rights of dower or homestead in and to said premises.” Then follows the defeasance clause and divers stipulations between the company and G-. W. Lancaster, but none with his wife; and the instrument concludes thus: “In witness whereof the said party of the first part has hereto set his hand and seal the date hereinbefore written;” and under this appear the signature of G-. W. Lancaster and Martha Emeline Lancaster. It is too plain for argument or discussion, we think, that on the general principles reiterated and illustrated in the cases of Long v. Mostyn, 65 Ala. 543; Thompson v. Sheppard, 85 Ala. 611; Fite, Porter & Co. v. Kennamer, 90 Ala. 470, and Burrows v. Pickens, 129 Ala. 648, this mortgage did not convey Mrs. Lancaster’s undivided moiety in the land, but as to her was only operative to release her inchoate dower and, [361] if properly acknowledged, her homestead interest in that undivided half interest which belonged to her husband.

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Penny v. British & American Mortgage Co., 31 So. 96, 132 Ala. 357, 1901 Ala. LEXIS 200 (Ala. 1901).

31 So. 96 (Penny v. British & American Mortgage Co.) — published by Counsel Stack Legal Research, free access to 12M+ legal documents.

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