In Iowa the lien is on there for ever unless you get it released. I think most states are that way on car, truck, boat loans. Farm equipment that is under a UCC is different in that it has to be updated every five years or it lapses. This maybe what your thinking of.
The easiest way is to contact the lender that is shown on the lien. Even if they no longer have the original paper work they can easily check and make sure you no longer have a loan and they can give you a new release.
I have ran into this on several pieces of farm equipment in the past. In both the times I was involved it just took some leg work as the items had been paid off.
My brother ran into a boat lien that had not been paid off even after over 15 years in the past. He was given a bunch of old campers, boats, RVs and etc. that were setting on this abandoned piece of ground. He got paid so much and what ever he could get out of the "stuff" on the ground. There was a real nice fiberglass inboard boat on a trailer in shed. It had a 4.3 V-6 motor and ran real nice and just need the upholstery redone. He could not get a clear title to that boat. The person that took the loan out was dead and the lender would not sign the debt off. They did not try to collect it or even want the boat but they would not sign off.
So I would just try getting the original lender to get you a lien release. That would be the easiest.
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Today's Featured Article - Listening to Your Tractor - by Curtis Von Fange. Years ago there was a TV show about a talking car. Unless you are from another planet, physically or otherwise, I don’t think our internal combustion buddies will talk and tell us their problems. But, on the other hand, there is a secret language that our mechanical companions readily do speak. It is an interesting form of communication that involves all the senses of the listener. In this series we are going to investigate and learn the basic rudimentary skills of understanding this lingo.
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