Varner-Collins Hardware Co. v. New Milford Security Co.

1915 OK 822, 153 P. 667, 49 Okla. 613, 1915 Okla. LEXIS 96
CourtSupreme Court of Oklahoma
DecidedOctober 12, 1915
Docket4773
StatusPublished
Cited by8 cases

This text of 1915 OK 822 (Varner-Collins Hardware Co. v. New Milford Security Co.) is published on Counsel Stack Legal Research, covering Supreme Court of Oklahoma primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Varner-Collins Hardware Co. v. New Milford Security Co., 1915 OK 822, 153 P. 667, 49 Okla. 613, 1915 Okla. LEXIS 96 (Okla. 1915).

Opinion

KANE, C. J.

The law question involved herein arose out of a suit to foreclose a certain real estate mortgage, wherein O. A. Simmons, one of the defendants in error herein, was plaintiff, and the remaining parties, both plaintiff in error and defendants in error, were defendants. The plaintiff in error herein, one of the defendants below, filed a cross-petition alleging that, by virtue of a certain mortgage executed by !W. B. and Annie L. Gill, husband and wife, held by it, covering the real estate described in the petition of the plaintiff, it acquired a lien on said land prior in time and superior to the lien of any of the other parties; wherefore it prays that its mortgage be foreclosed, etc.

The Geiser Manufacturing Company, a corporation, one of the defendants in error here, by answer and cross-petition also claimed by virtue of a certain mortgage held by it, executed by the same mortgagors, to be entitled to a lien upon said premises prior in time and superior to any of the other parties. Its cross-petition, after setting up the ordinary allegations constituting a cause of action for the foreclosure of a real estate mortgage, further alleged, in substance:

That the scrivener, in preparing its mortgage, inadvertently omitted a specific description of the property intended by the parties to be embraced therein, and described the-same as follows, to wit:

“Know all men by these presents: That W. B. Gill and A. L. Gill, husband and wife, of Choctaw county, State of Oklahoma, parties of the first part, have mortgaged and hereby mortgage to the Geiser Manufacturing Company (incorporated), of Franklin county, State of Penn *616 sylvania, of the second part, the following described real estate, and premises, situated in Choctaw county, State of Oklahoma, to wit: One hundred and fifty acres of land in section No. two, township six south and range seventeen east, as follows. * * *”

That it was the mutual intention of the parties to said instrument to execute a mortgage on the property described in the plaintiff’s petition, and also the southeast quarter of the northwest quarter of the northeast quarter of section 2, said tract comprising 150 acres, and all the land in said section 2 to which the mortgagors at the time said mortgage was executed had a good and merchantable title; that said mortgage was duly recorded; that said Varner-Collins Hardware Company, the other defendant corporation therein, was not an incumbrancer in good faith for value, but took its mortgage subsequent to the mortgage of the Geiser Manufacturing .Company to secure the payment of a pre-existing debt due it from their common mortgagors; that said mortgage was executed and was taken by said Varner-Collins Hardware Company with full knowledge and notice of the rights of said cross-petitioner, and the taking thereof was an attempt on the part of said Varner-Collins Hardware Company to take an unconscionable advantage of said cross-petitioner by reason of a mistake and omission in its mortgage, said Varner-Collins Hardware Company well knowing that such mistake and omission had been made in said mortgage and that. said mortgage was given on the property described in the plaintiff’s petition to secure the payment of $8,700 due and owing said cross-petitioner from said common mortgagors.

To this cross-petition the Varner-Collins Hardware Company filed a demurrer, which was overruled by the trial court; whereupon the demurrant elected to stand *617 upon its demurrer, and instituted this proceeding in error for the purpose of reviewing the action of the trial court in overruling its demurrer.

The grounds of demurrer are:

“(1) That said alleged real estate mortgage is null and void and conveyed no rights in and to the real estate described in defendant’s cross-petition to the said Geiser Manufacturing Company; and (2) that said purported real estate mortgage is null and void for the reason that it lacks a description of the land sought to be charged, as set forth in said cross-petition of Geiser Manufacturing Company, and is not sufficient to become the basis of an action in equity for its reformation and foreclosure; (3) that said cross-petition for the reformation of said purported real estate mortgage and for its foreclosure does not' state facts sufficient to constitute a cause of action in favor of the Geiser Manufacturing Company, defendant, and against Varner-Collins Hardware Company.”

Counsel for plaintiff in error contends that the description of the premises as it appears in the mortgage is so inaccurate and uncertain that the identity of the land intended to be mortgaged cannot be determined by the court from an inspection of the instrument itself, or by any proper resort to parol evidence in aid of such description. It seems well settled that parol evidence may be resorted to for the purpose of identifying the description of real property contained in a writing to ascertain its location, upon the ground, but not for the purpose, of ascertaining and locating the land about which the parties negotiated, and supplying a description thereof which they have omitted from, the writing. The office of description in a deed is not to identify the land, but to furnish means of identification. Cox v. Hart, 145 U. S. 376, 12 Sup. Ct. 962, 36 L. Ed. *618 741; Blake v. Doherty, 5 Wheat. (U. S.) 359, 5 L. Ed. 109; Crotty v. Effler, 60 W. Va. 258, 54 S. E. 345, 9 Ann. Cas. 770. Therefore, they say, the construction of a written instrument being a matter of law, if the land intended to be mortgaged be so inaccurately described that it appears on inspection of the deed that the identity thereof is altogether uncertain and cannot be determined, the court ought .to pronounce the mortgage void. Kingston v. Pickins, 46 Tex. 99.

It is also well settled that the holder of a first mortgage is entitled to a reformation to correct an error, the result of a mutual mistake, as against a junior mortgagee who received his mortgage to sécure a past due debt (First National Bank of Parsons v. Wentworth, 28 Kan. 183; Craig v. Pendleton, 89 Ark. 259, 116 S. W. 209), and that the same rule applies to a vendee with notice of the purpose of the mortgage to cover the omitted or misdescribed lands (Citizens’ National Bank v. Judy, 146 Ind. 322, 43 N. E. 259; Stinson v. Ray, 79 Ark. 592, 96 S. W. 141; Carpenter Paper Co. v. Wilcox, 50. Neb. 659, 70 N. W. 228; Peters v. Fell, 15 S. D. 391, 89 N. W. 1014). The general law governing such cases being settled, it only remains to apply it to the specific facts before us.

A fair rendering of the description under consideration, as it appears in the mortgage, would be:

“That W. B. Gill and A. L. Gill, husband and wife, do hereby mortgage to the Geiser Manufacturing Company the following real estate owned by us situated in Choc-baw county, State of Oklahoma, to wit: 150 acres of land in section No. 2, township 6 south and range 17 east.”

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Bluebook (online)
1915 OK 822, 153 P. 667, 49 Okla. 613, 1915 Okla. LEXIS 96, Counsel Stack Legal Research, https://law.counselstack.com/opinion/varner-collins-hardware-co-v-new-milford-security-co-okla-1915.