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Indiana Mechanic's Lien Release Bond

This bond allows property owners and contractors to discharge a mechanic's lien from their property by substituting a surety bond as security instead of paying the lien amount. The bond must be at least 150% of the lien amount or $7,500 (whichever is greater) and is filed with the county recorder's office. The lien au…

Bond amount$7,500
State or jurisdictionIndiana
ObligeeIndiana Trial Courts / County Recorder's Office

Essential point: Pin down whether this is your bond, then start the application. Ava can confirm the right state and license type if you are not sure.

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Overview

What it is.

This bond allows property owners and contractors to discharge a mechanic's lien from their property by substituting a surety bond as security instead of paying the lien amount. The bond must be at least 150% of the lien amount or $7,500 (whichever is greater) and is filed with the county recorder's office. The lien au…

Who usually needs it

Property owners or general contractors who want to remove a mechanic's lien from real property without paying the disputed lien amount. The bond transfers the lien from the property to the bond, clearing the title for sale or refinancing while preserving the claimant's legal rights.

Pricing & timing

What to expect.

Generic pricing

Payment bonds guarantee that a contractor will pay subcontractors, laborers, and material suppliers. Typical Pricing:. • Small contracts: Commonly around 1–5% of the contract value. • Larger contracts: Rates generally scale lower as contract size increases. • Payment bonds: Often paired with performance bonds at a combined rate. • Full underwriting required: Credit, financials, experience, and bonding history reviewed. Payment bonds are required on most public projects alongside performance bonds. The Miller Act requires payment bonds on all federal projects over $150,000. Rates may vary based on risk factors.

Your quote determines the actual premium.

Typical timeframe

Full underwriting required — typically 3–5 business days

Timing can change when underwriting needs more information.
Application details

How it works.

  1. Start the application

    Confirm the bond and provide applicant and business details.

  2. Review the quote

    See the terms and premium before deciding to continue.

  3. Pay and sign

    Complete the required payment and signatures.

  4. Receive the bond

    Get the issued bond and filing or delivery instructions.

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Frequently asked

Common questions.

How long does it take for the mechanic's lien to be discharged after filing the bond in Indiana?

The mechanic's lien is automatically discharged 30 days after filing the bond with the county recorder's office, unless the lien claimant challenges the bond in court during that period. Once discharged, the property title is cleared and the claimant's rights transfer to the bond instead of the real property.

What is the required bond amount for an Indiana Mechanic's Lien Release Bond?

The bond amount must be at least 150% of the disputed lien amount or $7,500, whichever is greater. For example, if the mechanic's lien is for $10,000, your bond amount would be $15,000. This amount ensures adequate protection for the lien claimant while the lien is transferred from the property to the bond.

Where do I file the Indiana Mechanic's Lien Release Bond?

You file the bond with the county recorder's office in the county where the real property is located. Indiana law (IC 32-28, as amended by HB 1021) allows direct filing with the recorder without requiring prior court approval, which streamlines the lien discharge process significantly compared to the previous procedure.

Next step

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