Can we allow our daughter to build a permanent residence on property that is already being used as security for our current home mortgage?

Question Details: We own 14.41 acres; 1 acre free and clear and 13.42 acres are used as security on the new home we built 3 years ago. The County now regulates to add an additional residence, you must have a minimum of 2.5 acres. I only own 1 outright. Our plat would have to be redrawn to "show" 2.5 acres as a different "plot" on the same property. We currently have 2 parcels for taxes; 1 for the new home sitting on 13.41 acres and 1 acre free and clear that I own. If we redo plat to change to 13.41 acres to 11.91 2.5 2.5 to allow daughter to build by county rules, isn't this a big problem to my mortgage company? As stated, my escrow pays both parcels now, 1 for the home and 13.41 acres and another parcel for 1 acre. I don't know if I can allow daughter to build a residence on a new drawn 2.5 acres when 1.5 of those acres are really tied up in my current mortgage.

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