The Bank of Casey argues that perfection of its security interest in the mobile home as personal property was sufficient to give it priority over the Farm Credit Bank's mortgage even after the mobile home became attached to the real estate as a fixture. The Bank cites Rock Island Bank v. Anderson, 178 Ill. App.3d 1068, 128 Ill.Dec. 180, 534 N.E.2d 200 (1989), as authority for its position that it was not necessary to make a second filing in the real estate records to maintain perfection of its security interest. Rock Island Bank v. Anderson appears to be the only decision of an Illinois state court dealing with the application of section 9-313 in a factual situation similar to the instant case.
Therefore, to be safe First National could have double recorded, both with the Recorder of Deeds and the Secretary of State. In Rock Island Bank v. Anderson, 178 Ill.App.3d 1068, 128 Ill.Dec. 180, 534 N.E.2d 200 (3rd Dist. 1989), the court determined that a second filing was not necessary when a mobile home was placed on ground leased by the defendants. However, the court did not find that the mobile home became a fixture of the property.