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Florida Statutes 701.04(1) requires a lender to issue a payoff letter (estoppel letter) within 14 days  and to issue a satisfaction of mortgage in 60 days.  If the lender does not do so,  you can sue them and recover court costs and attorney’s fees.  Here is a link to the statute http://www.flsenate.gov/Laws/Statutes/2011/701.04

The Florida legislature just amended this provision  to require that the request for a mortgage estoppel letter include a copy of the instrument showing title in the property or lawful authorization.  This change is effective January 1, 2013.