Which filing combination is required to perfect a security interest in fixtures?

• A. UCC-1 filing plus fixture filing in real property records.
• B. UCC-1 filing only.
• C. Fixture filing only.
• D. No filing needed.

Answer: (A)

When a security interest attaches to items that become part of real property, you must use both filing systems to perfect it. A UCC-1 financing statement perfects the security interest in personal property, but fixtures—because they are tied to real property—also require a fixture filing in the real property records. Filing in both places ensures the lender’s interest is perfected against other creditors and future claimants, including buyers or lienholders of the real property. Relying on just a UCC-1 wouldn’t adequately cover the real-property side, and relying on just a fixture filing wouldn’t secure the broader personal-property aspects. Therefore, the correct approach is to file both the UCC-1 financing statement and the fixture filing in the real property records.