Ruble v. Grafton National Bank

250 N.W. 784, 64 N.D. 129, 1933 N.D. LEXIS 257
CourtNorth Dakota Supreme Court
DecidedOctober 25, 1933
DocketFile No. 6204.
StatusPublished

This text of 250 N.W. 784 (Ruble v. Grafton National Bank) is published on Counsel Stack Legal Research, covering North Dakota Supreme Court primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Ruble v. Grafton National Bank, 250 N.W. 784, 64 N.D. 129, 1933 N.D. LEXIS 257 (N.D. 1933).

Opinion

*132 Burr, J.

April 29, 1882, the United States Government gave one J'amsgaard a patent -to the land in question, the land being the homestead of Jamsgaard and wife. February, 1909, Jamsgaard deeded the *133 land to Ms wife and shortly thereafter died. Within, a short period thereafter the wife died, leaving as sole heirs her two daughters, Minnie and Johanna Jamsgaard, who continued to live on the farm. Upon the probate of the mother’s estate the land involved descended to these two daughters — at that time apparently over eighteen years of age — • each having an undivided half interest, and the land was never divided between them. Some time thereafter Johanna moved to Minneapolis and ceased to make her home on the land.

April 26, 1918, the daughter Minnie was married to Halvor Landswerck and they have been husband and wife ever since.

April 26, 1928, Minnie gave a mortgage on her interest in the land to the Scandinavian-American Bank for $1200.00; on February 21, 1929, a mortgage on her interest for $900.00 to the Grafton National Bank; and on May 9, 1929 a mortgage for $2000.00 to her sister Johanna. The mortgages to the two banks being due, and Minnie being in'need of additional money, on January 5, 1931, she gave another mortgage to the Grafton National Bank to pay .the mortgages already given to the banks, to pay a judgment against her exceeding $400.00 and for. the purpose of obtaining $200.00 in cash. This mortgage was recorded April 23, 1931. This is the mortgage involved in this action.

The bank required a release of the mortgage held by Johanna and upon the release being furnished the bank cancelled the mortgages referred to, settled the judgment and furnished the money as required. The mortgage to the Scandinavian-American Bank had been foreclosed by regular proceedings, a sheriff’s certificate issued and assigned to respondent and thereafter a deed was issued to it.

The husband Halvor Landswerck did not join in the execution of any of these mortgages.

October 14, 1931, the two daughters Minnie and Johanna transferred the land to the plaintiff by quitclaim deed — both signing the same conveyance which was acknowledged by Minnie on October 16, 1931 and by Johanna on October 19, 1931. On August 28, 1931, the husband Halvor Landswerck signed a separate quitclaim deed transferring his interest to the plaintiff. Some question has been raised in regard to alterations of this deed after, .or at the time of its execution; *134 but we need not determine this. Neither of these quitclaim deeds had been filed for record at the time of the commencement of this action.

The plaintiff then commenced this action to quiet title; but did not make either of the sisters, nor Minnie’s husband parties to the action.

The complaint of the plaintiff is in the usual statutory form in which he claims to be the owner of the land and that the parties defendant claim interests therein which he alleges are void.

The only defendant to answer is the Grafton National Bank. It sets up the mortgage which it received to secure the amount which it advanced to pay off the Scandinavian-American Bank mortgage, its own mortgage, the judgment, and the money advanced to Minnie, and claims a lien on the land superior to the interest of the plaintiff.

Plaintiff replies, alleging the bank’s mortgage is “void and of no force or effect, and the said defendant has no interest in said land or premises by virtue of any such alleged transaction.” Nowhere does he set up that the land involved was claimed to be or was the homestead of Minnie Landswerck at the time the mortgage was given, or that the husband did not join in the mortgage.

“A defense of homestead must be specially pleaded;” (Johnson v. Bartron, 23 N. D. 629, 131 N. W. 1092, 44 L.R.A.(N.S.) 557) for “one who wishes to avail himself of a homestead right must allege facts to entitle him to it.” Currie v. Look, 14 N. D. 482, 486, 106 N. W. 131. The burden of proof to show the homestead character of land is upon him who asserts it.

The plaintiff contends the mortgages given by Minnie were void as against her because she was a married woman at the time they were given, the land involved was her homestead and the mortgages were never signed by her husband; that the mortgage involved was void as against Johanna on the ground that Johanna received no consideration for the mortgage, that she was an owner of an undivided half interest in the land which could not be severed, and that the judgment paid by the bank never attached to the land.

The trial court found that the land was not the homestead of Minnie, that the mortgage of the defendant bank, dated January 5, 1931, was a valid mortgage, that the plaintiff was the owner in fee simple of the land subject to the mortgage of the bank, and that the quitclaim deed executed by the husband to plaintiff had been materially altered after *135 its execution. The trial court allowed the bank costs against the plaintiff in the sum of $37.05. Judgment was entered upon the findings in accordance therewith, and from the judgment entered the plaintiff appealed demanding a trial de novo.

Johanna Jamsgaard, joined with her sister in the execution of the bank mortgage involved. She was an unmarried woman living in Minneapolis at the time and there can be no question but what such mortgage is good on her undivided half interest.

Plaintiff’s contention that there was no consideration to Johanna is without merit. The consideration for Johanna’s execution of the noto and mortgage, and for the release of her mortgage was the payment of the amount due from her sister to the Scandinavian-American bank, the amount due the Grafton National Bank, the amount paid on the judgment and whatever cash was advanced to Minnie. There is no question hut what Minnie owed these debts, whether her mortgages were valid or not, and the debts were paid.

The contention that Johanna could not mortgage her undivided half interest is without merit.

Section 6730 of the Compiled Laws says “Any interest in property which is capable of being transferred may be mortgaged” and this principle has a wide application. See Bennett v. Harrison, 115 Minn. 342, 132 N. W. 309, 312, 37 L.R,A.(N.S.) 521; Tuttle v. Blow, 176 Mo. 158, 75 S. W. 617, 620, 98 Am. St. Rep. 488.

Section 5490 of the Compiled Laws says “Property of any kind may be transferred” except “a mere possibility, not coupled with an interest” (§ 5491) and “a right of re-entry or of repossession for breach of a condition subsequent cannot be transferred to any one except the owner of the property affected thereby” (§ 5492). “An undivided one-half interest in land is property,” and may be made the subject of a mortgage. Clark v. Lyster (C. C. A. 8th) 155 P. 513; Cabrera v. American Colonial Bank, 214 U. S. 224, 234, 53 L. ed. 974, 978, 29 S. Ct. 623; Salem Nat. Bank v. White, 159 Ill. 136, 42 N. E. 312; Howells State Bank v. Pont, 113 Neb. 181, 202 N. W. 457, 460; 41 C. J. 374.

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Related

Cabrera v. American Colonial Bank
214 U.S. 224 (Supreme Court, 1909)
Hazlett v. Mathieu
220 N.W. 647 (North Dakota Supreme Court, 1928)
Currie v. Look
106 N.W. 131 (North Dakota Supreme Court, 1905)
Dieter v. Fraine
128 N.W. 684 (North Dakota Supreme Court, 1910)
Johnson v. Bartron
137 N.W. 1092 (North Dakota Supreme Court, 1912)
Swingle v. Swingle
162 N.W. 912 (North Dakota Supreme Court, 1917)
Salem National Bank v. White
42 N.E. 312 (Illinois Supreme Court, 1895)
Bennett v. Harrison
132 N.W. 309 (Supreme Court of Minnesota, 1911)
Tuttle v. Blow
75 S.W. 617 (Supreme Court of Missouri, 1903)
Howells State Bank v. Pont
202 N.W. 457 (Nebraska Supreme Court, 1925)

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Bluebook (online)
250 N.W. 784, 64 N.D. 129, 1933 N.D. LEXIS 257, Counsel Stack Legal Research, https://law.counselstack.com/opinion/ruble-v-grafton-national-bank-nd-1933.