Florida HSMV Form 82260 Lien Satisfaction Guide

What Is Florida HSMV Form 82260?

Form HSMV 82260 is the official Lien Satisfaction form used in Florida to notify the Department of Highway Safety and Motor Vehicles that a recorded lien has been paid in full and should be removed from the title record.

The form covers four types of titled property:

• Motor Vehicle
• Mobile Home
• Off-Highway Vehicle
• Vessel

It is completed and signed by the lienholder (or an authorized agent) to acknowledge that the debt secured by the lien has been satisfied. Once properly processed, FLHSMV updates the title record so a clear title can be issued to the owner.

Official download: Download Florida HSMV Form 82260 (PDF) from the official FLHSMV website.

When Is Form 82260 Required?

You typically need Form HSMV 82260 in these situations:

• You have paid off an auto loan, mobile home loan, or boat loan and the lienholder holds a paper title.
• You are transferring ownership of a vehicle or vessel and must clear an existing lien first.
• A previous lien was never removed from the title record even though the loan was paid years ago.
• The lienholder is providing a separate written satisfaction instead of (or in addition to) marking the face of the certificate of title.

Under Florida Statute 319.24, the owner or person who paid the lien is entitled to demand a satisfaction of lien from the lienholder. The lienholder must provide it and forward the required documentation to FLHSMV within specific time limits.

Important: Electronic Liens (ELT) vs. Paper Liens

Florida uses an Electronic Lien and Title (ELT) system for most modern financing. If the lien is recorded electronically:

• The lienholder must release the lien electronically through the ELT program.
• A paper Form HSMV 82260 or a satisfaction letter is not accepted and will be rejected.
• Once the electronic release is processed, the title usually remains electronic until the owner requests a paper title.

Only non-ELT (paper) liens require Form 82260 or satisfaction noted on the face of the physical title. Always confirm with your lender whether the lien is electronic or paper.

For more details on the ELT system, visit the official FLHSMV Electronic Liens and Titles page.

How to Fill Out Florida HSMV Form 82260?

The form is straightforward but must be completed accurately by the lienholder. Key sections include:

1. Check the correct box – Motor Vehicle, Mobile Home, Off-Highway Vehicle, or Vessel.
2. Vehicle/Vessel Information – Title Number, Vehicle/Vessel Identification Number (VIN or HIN), Year, Make/Manufacturer, Body Type, and Color.
3. Registered Owner(s) – Full legal name(s) (last name first), street address, city, state, and ZIP code exactly as shown on the title.
4. First Lienholder Information – Name, street address, city, state, ZIP, Lien Date (must match the date on the title certificate), and Lien Satisfaction Date.
5. Second Lienholder Information (if applicable) – Same details as above.
6. Lien Satisfaction Declaration – The authorized agent prints their name and title, then signs under penalties of perjury.

Critical notes from the form itself:

• The date of the original lien must match the date shown on the title certificate.
• If the first and second lienholder are the same entity and only one lien is being satisfied, do not perforate or use a “Paid” stamp.
• All applicable sections must be completed.

Computer-generated signatures are not acceptable. The original form or a certified copy is required. Photocopies, emailed, or faxed versions are not accepted by FLHSMV.

Submission Requirements and Deadlines

The completed original Form HSMV 82260 must be mailed by the lienholder to:

Department of Highway Safety and Motor Vehicles
Division of Motorist Services
Neil Kirkman Building
2900 Apalachee Parkway
Tallahassee, Florida 32399

Statutory deadlines:

• Within 10 days after final payment for motor vehicles, mobile homes, and off-highway vehicles.
• Within 30 days after final payment for vessels.

Alternatively, the lienholder may complete the lien satisfaction section on the face of the certificate of title itself. If there are no subsequent liens, the title is then delivered to the owner, and the satisfaction form (or equivalent) is still forwarded to FLHSMV.

You may also present the properly executed form (along with the title, if applicable) at your local county tax collector’s office or license plate agency for processing when applying for a new clear title.

What Happens After the Lien Is Satisfied?

Once FLHSMV processes the satisfaction:

• If no other liens exist, a corrected certificate of title showing no liens is issued (or the electronic title is cleared).
• If subsequent liens remain, the title is updated and forwarded according to statutory rules.
• You can then transfer ownership, refinance, or simply hold a clear title.

Title fees apply when a new paper title is requested. Check current fees with your local tax collector or on the official FLHSMV website.

Common Mistakes to Avoid

• Submitting a photocopy, email, or fax instead of the original or certified copy.
• Using Form 82260 for an electronic (ELT) lien — it will be rejected.
• Mismatching the original lien date with the date on the title.
• Incomplete owner or lienholder address information.
• Missing authorized signature or title of the signing agent.

If the lienholder fails to provide a satisfaction within 30 days after demand, Florida law allows the owner to sue for costs, damages, and reasonable attorney fees.

Alternate Methods of Lien Satisfaction

FLHSMV accepts certain alternative proofs under specific conditions (see Procedure TL-33):

• Perforation of the title or form showing the lienholder name, the word “Paid,” and the date of satisfaction (if the lienholder holds a valid permit).
• Authorized “Paid” stamp with the required information and permit number.
• Satisfaction letter on the lienholder’s official letterhead in limited cases (original required).

These alternatives are tightly controlled. When in doubt, use the official Form 82260.

Where to Get Help and Official Resources?

• Official Form HSMV 82260 PDF
• FLHSMV Forms Library
• Electronic Lien and Title (ELT) Information
• Your local County Tax Collector or License Plate Agency for in-person assistance
• Florida Statute 319.24 – Liens and Encumbrances

Always verify the most current version of the form and procedures on the official FLHSMV website, as requirements can be updated.

Conclusion

Florida HSMV Form 82260 is the essential document for clearing a paper lien from a motor vehicle, mobile home, off-highway vehicle, or vessel title. Proper completion by the lienholder, timely submission to Tallahassee, and understanding the difference between paper and electronic liens will ensure a smooth process and a clear title.

Download the official form today, confirm your lien status with the lender, and follow the steps above to protect your ownership rights under Florida law.