Guideline: ALTA Endorsement 8.1 (Environmental Protection Lien)

Organizational Guidelines

Guideline: ALTA Endorsement 8.1 (Environmental Protection Lien)

Guideline Document
03/07/2014
V 1

Explanation:

This endorsement is only issued in conjunction with a Loan Policy covering primarily residential property.

Section (a) insures that there are no environmental protection liens filed in the public records which have priority over the lien of the insured mortgage unless excepted in Schedule B.

Section (b) insures that there are no state statutes which provide that liens filed after the Date of Policy would have priority over the lien of the insured mortgage, except for those specifically excepted under Section (b).

ALTA 8.1-06 is designed to be issued with a 2006 ALTA Loan.  ALTA 8.1 (07-01-21) contains modifications to align the endorsement to the terms of the 2021 ALTA Loan Policy and is designed to be issued with the 2021 Loan Policy.  Where available, use the version of the endorsement designed for the applicable policy, unless approved by a Stewart Title Guaranty Company underwriter.  It is not necessary to indicate “-06” or the parenthetical (date) on the endorsement attached to the policy.

Underwriting Requirements:

1. This endorsement may be issued only on property that is improved, zoned, restricted, or under construction for, residential purposes.

2. You are required only to review your local records for liens filed. You are not required to check the federal district court clerk's office.

3. Our endorsement contains excluded matters agreed to by Fannie Mae. Therefore, it is not necessary to except to various state statutes. Our forms either state "No Exception" or contain one of the following additional exceptions:

Arizona:

A.R.S. Sec. 3-204 (G)

A.R.S. Sec. 3-205 (E)

A.R.S. Sec. 33-966

A.R.S. Sec. 35-482 (F)

A.R.S. Sec. 37-708 (A)

A.R.S. Sec. 45-1212 (D)

A.R.S. Sec. 48-301

A.R.S. Sec. 48-309

A.R.S. Sec. 48-6021 (B)

A.R.S. Sec. 48-721(B)

A.R.S. Sec. 48-3168

Arkansas:

Code of 1987 Anno. Sec. 15-58-101 et seq.

Connecticut:

Conn. Gen. Stat. §22a-452a (may be deleted if the land is exclusively residential real estate)

District of Columbia:

DC Code Section 8-231.05(e)

Illinois:

65 ILCS 5/11-31-1-(f)

Louisiana:

Louisiana Statutes Ann:

R. S. 30: 2205

R. S. 30: 2281

R. S. 33: 1236 (21)

Maine:

38 M.R.S.A. Sections 1316-E, 1370 and 1371

Massachusetts:

Mass. Gen. Laws Ann. ch. 21E §13

Michigan:

MCL 324.11143(3)

MCL 324.20138(2)(a), (4) and (6)

Minnesota:

Minn. Stat. Ann. Sections 514.67; 115B.41; 115B.412

Missouri:

R S Mo. 263.140; 444.930

Nevada:

Nev. Rev. Stat. § 444.520(3)

New Hampshire:

RSA 147-B

New Jersey:

N.J.S.A. §58:10-23.11 et seq.

NJSA 58: 10B-25.2

New Mexico:

3-48-7 NMSA 1978

69-25B-8 NMSA 1978

3-27-4 NMSA 1978

72-3-4 NMSA 1978

72-5-16 NMSA 1978

72-13-8 NMSA 1978

73-5-2 NMSA 1978

73-7-26 NMSA 1978

73-9-24 NMSA 1978

73-16-17 NMSA 1978

73-20-46 NMSA 1978

73-21-18 NMSA 1978

73-22-5 NMSA 1978

4-55C-5 NMSA 1978

5-18-7 NMSA 1978

76-3-5 NMSA 1978

New York City:

Admin Code of the City of New York, Sections 17-101 to 17-174

Admin Code of the City of New York, Section 16-131.3

New York State:

Sec. 1307 of Public Health Law

Sec. 56-0508 of Environmental Conservation Law

Ohio:

Ohio Rev. Code Ann. §3767.41

Ohio Rev. Code Ann. §1509.31

Oklahoma:

17 OSA S6, 53.1 and 53.2

Pennsylvania:

32 P S Sec. 5101 et seq.;

South Carolina:

S.C. Code Ann. § 12-49-10

S.C. Code Ann. § 12-49-60

Texas:

Texas Health and Safety Code Sec. 361.194

Texas Health and Safety Code Sec. 342.007and 342.008

Texas Local Gov't. Code Sec. 214.001

Texas Local Gov't. Code Sec. 214.0015(b), (d), and (e)

Texas Nat. Res. Code Sec. 134.150, if applicable;

Texas Water Code Sec. 49.231(k)

Utah:

Utah Code Ann. § 40-10-27

Utah Code Ann. § 40-10-28

Vermont:

32 V.S.A. § 5061

27A V.S.A. § 3-116

Virginia:

Virginia Waste Management Act § 10.1-1418.5

Washington:

RCW 70.121.140

West Virginia:

W. Va. Code § 16-13B-18

W. Va. Code § 22-2-7

Wisconsin:

W.S.A. Chapter 292.11(13)

W.S.A. Chapter 292.31

W.S.A. Chapter 292.81

The underwriting guidelines contained herein have been provided for general reference. The facts, circumstances, and location of the subject property should be considered when determining the issuance of the requested form or endorsement. Please note that all of the forms and endorsements included in this system may not be available in all states. Accordingly, please contact the appropriate Stewart Title Guaranty Company underwriting personnel in order to determine availability.

Compliance with the underwriting guidelines contained herein in no way obligates Stewart Title Guaranty Company to issue any form or endorsement.

Any revision to this form requires approval of a Stewart Title Guaranty Company underwriter. The underwriting guidelines contained herein have been provided for general reference. The facts, circumstances, and location of the subject property should be considered when determining the issuance of the requested form or endorsement. Please note that all of the forms and endorsements included in this system may not be available in all states. Accordingly, please contact the appropriate Stewart Title Guaranty Company underwriting personnel in order to determine availability.

Compliance with the underwriting guidelines contained herein in no way obligates Stewart Title Guaranty Company to issue any form or endorsement.