That sounds like quite a conundrum, Jonathan.   I think that would also be a huge issue in Florida, I believe that they have a similar recording fee/taxing structure.  I have only been involved in one Florida transaction and it was thousands of dollars to record the mortgage.

In Ohio, our recording fees are simple - $28 for the first two pages, $8 for each additional page.  Thus, we would never run into that problem.  The amount of the mortgage is irrelevant, thankfully.

If you find an answer, please share it.  I would be very curious to know how that turns out.

Best,
Robert A. Franco
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