Estoppel

Request a Payoff

(Estoppel Certificate)

Estoppel certificates may be requested from Emmanuel, Sheppard & Condon only for delinquent accounts that have been turned over to us for collection by our clients. Otherwise, requests should be directed to the association. Estoppel certificates will be issued within ten (10) business days after receipt of a written or electronic request from the unit/parcel owner or designee or a unit/parcel mortgagee or designee unless requested on an expedited basis (for which an additional fee will be charged). The estoppel certificate will have a 30-day effective period if hand delivered or sent by electronic means and a 35-day effective period if sent by regular mail. It is our policy to provide the certificate by e-mail unless requested otherwise in writing.

Please follow these steps so that we may timely process your request:

1. Submit your written request via our electronic request form on the right side of this page.
2. If the requesting party is not the owner or the mortgagee, submit a signed third-party authorization form to us.  Please click here to print out a third-party authorization form.  The owner or mortgagee MUST complete and sign the form authorizing us to release the requested information to any third-party (realtor, closing agent, etc.).  The signed form may be provided to us by fax at (850) 434-7163 or by e-mail at Association@esclaw.com.    [If you are a closing agent, realtor or other agent of an owner or mortgagee and already have a third-party authorization form in your file, you may fax or e-mail your signed authorization instead for our review and consideration.]
3. Submit payment prior to the delivery date in the form of a check or money order made payable to Emmanuel, Sheppard & Condon. We will contact you with the correct amount. If you are requesting the certificate on an expedited basis (within 3 business days), you must notify us at the time of your request.
4. Fee Schedule:
   • For single unit/parcel owned by the same owner:
     • $478 – if a delinquent amount is owed to the association
       • Add $119 – if requested on an expedited basis (total: $597).
   • For multiple units/parcels owned by the same owner and simultaneously requested:
     • $896 for 25 units/parcels or fewer
     • $1,194 for 26-50 units/parcels
     • $1,791 for 51 to 100 units/parcels
     • $2,985 for more than 100 units/parcels
       • Add $119 – if requested on an expedited basis
5. Payment should be mailed or delivered to:
   Emmanuel, Sheppard & Condon
   30 S Spring St
   Pensacola, FL 32502
   Attn: Community Association Practice

All properly submitted requests will be processed no later than 10 business days after receipt by us of the written request and fee payment (along with the third-party authorization, if applicable). Please contact us at Association@esclaw.com should you have any questions.

Please be aware that NO payoffs or estoppel certificates will be calculated with application of the formulas provided in Sections 718.116 or 720.3085, Florida Statutes, for the benefit of first mortgagees until such time as a certificate of title has actually been issued by the court and a determination made that the first mortgagee has complied with the requirements of the applicable section.  If you desire a full payoff or estoppel certificate in compliance with one of these statutes, it is your responsibility to make sure that your request is not submitted to us prematurely.

Due to the large volume of requests, we receive on a daily basis, we appreciate your patience as we process your request and will do our best to fulfill your request as quickly as possible. Should you need assistance, please call our office at (850) 466-3255  between the hours of 9 a.m. to 5 p.m. Monday through Thursday and 9 a.m. to 2:30 p.m. on Friday.

IN THE EVENT THIS LAW FIRM MAY BE DEEMED A DEBT COLLECTOR UNDER THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT (FDCPA), PLEASE BE ADVISED THAT THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION PROVIDED WILL BE USED FOR THAT PURPOSE.