Alabama Forms

Saint Clair County Mortgage Form

Saint Clair County Mortgage Form

Saint Clair County Mortgage Form

Fill in the blank form formatted to comply with all recording and content requirements.

Document Last Validated 7/8/2025
Saint Clair County Mortgage Guidelines

Saint Clair County Mortgage Guidelines

Line by line guide explaining every blank on the form.

Document Last Validated 6/6/2025
Saint Clair County Completed Example of the Mortgage Document

Saint Clair County Completed Example of the Mortgage Document

Example of a properly completed form for reference.

Document Last Validated 7/29/2025
Saint Clair County Promissory Note Form

Saint Clair County Promissory Note Form

Note that is secured by the Mortgage. Can be used for traditional installments or balloon payment.

Document Last Validated 8/12/2025
Saint Clair County Promissory Note Guidelines

Saint Clair County Promissory Note Guidelines

Line by line guide explaining every blank on the form.

Document Last Validated 8/25/2025
Saint Clair County Completed Example of the Promissory Note Document

Saint Clair County Completed Example of the Promissory Note Document

Example of a properly completed form for reference.

Document Last Validated 8/22/2025
Saint Clair County Annual Accounting Statement Form

Saint Clair County Annual Accounting Statement Form

Mail to borrower for fiscal year reporting.

Document Last Validated 6/17/2025

All 7 documents above included • One-time purchase • No recurring fees

Immediate Download • Secure Checkout

Important: Your property must be located in Saint Clair County to use these forms. Documents should be recorded at the office below.

Where to Record Your Documents

St. Clair County Probate Office
Address:
165 5th Ave / PO Box 220
Ashville, Alabama 35953

Hours: 8:00am - 4:30pm M-F

Phone: (205) 594-2120

Pell City Probate Office
Address:
1815 Cogswell Ave, Suite 212
Pell City, Alabama 35125

Hours: 8:00am - 4:30pm M-F

Phone: (205) 338-9449

Recording Tips for Saint Clair County:
  • Bring your driver's license or state-issued photo ID
  • Check that your notary's commission hasn't expired
  • Leave recording info boxes blank - the office fills these
  • Make copies of your documents before recording - keep originals safe
  • Recording early in the week helps ensure same-week processing

Cities and Jurisdictions in Saint Clair County

Properties in any of these areas use Saint Clair County forms:

  • Ashville
  • Cook Springs
  • Cropwell
  • Margaret
  • Moody
  • Odenville
  • Pell City
  • Ragland
  • Riverside
  • Springville
  • Steele
  • Wattsville

View Complete Recorder Office Guide

Hours, fees, requirements, and more for Saint Clair County

How do I get my forms?

Forms are available for immediate download after payment. The Saint Clair County forms will be in your account ready to download to your computer. An account is created for you during checkout if you don't have one. Forms are NOT emailed.

Are these forms guaranteed to be recordable in Saint Clair County?

Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Saint Clair County including margin requirements, content requirements, font and font size requirements.

Can I reuse these forms?

Yes. You can reuse the forms for your personal use. For example, if you have multiple properties in Saint Clair County you only need to order once.

What do I need to use these forms?

The forms are PDFs that you fill out on your computer. You'll need Adobe Reader (free software that most computers already have). You do NOT enter your property information online - you download the blank forms and complete them privately on your own computer.

Are there any recurring fees?

No. This is a one-time purchase. Nothing to cancel, no memberships, no recurring fees.

How much does it cost to record in Saint Clair County?

Recording fees in Saint Clair County vary. Contact the recorder's office at (205) 594-2120 for current fees.

Questions answered? Let's get started!

The short definition of a mortgage is that it's a loan used to purchase real property. In Alabama, the mortgage is comprised of two parts: the security instrument and the promissory note. A security instrument is a specific type of document that provides security for the lender and contains terms (agreements) that apply until the buyer (borrower) repays the lender according to terms defined in an attached promissory note.

While the lender holds legal title to the property during this time, the borrower holds equitable title, which means they may occupy the property as if they hold legal title, but until the loan has been repaid, the lender actually owns it. This is because mortgages involve a lien against the property, held as security, that ends when the debt is repaid, and the owner assumes legal title (after recording a release of mortgage).

The buyer must also complete a promissory note. A promissory note is a negotiable instrument that contains an unconditional written promise, signed by the borrower, to repay the lender or its designated agent. It defines the amount and specific terms of the loan between the borrower and the lender and must be completed at the same time as the security instrument. Many lenders retain the promissory note for the duration of the mortgage and return it to the borrower after the debt is repaid.

The Code of Alabama sets forth the rules for mortgages in that state at Title 35 Section 10 but does not provide a statutory form for security instruments. A typical mortgage includes the names of all borrowers (and their spouses, if applicable), information about the lending institution, the date the borrower signed the promissory note, the property county and address, and a legal description of the property. The borrower must indicate if the security instrument includes any riders, or attachments that amend or supplement a document.

The mortgage must be signed by each borrower and acknowledged by an authorized individual. Alabama requires spouses' signatures for mortgages of single-family owner-occupied dwellings ("homestead mortgages"), even if they are not borrowers (Ala. Code Sec. 6-10-3). A homestead is defined in Alabama as a single-family owner-occupied dwelling.

Security instruments must meet standards of form and content for recording documents relating to real property. Record the completed mortgage at the local probate office.

Secured Promissory Notes in Alabama

At the same time the buyer fills out the mortgage form, they must also complete a promissory note. A promissory note is a negotiable instrument that contains an unconditional written promise, signed by the borrower, to repay the lender or its designated agent. It defines the amount and specific terms of the loan between the borrower and the lender.

Promissory notes can be secured or unsecured. Unsecured notes set forth the terms and conditions associated with repayment, but there is no mention of collateral to protect the lender's interest. These are more common with personal property. Mortgages, which are real property transactions, use secured promissory notes. The borrower offers the property as security (collateral) to guarantee the loan and agrees that a failure to repay the loan could cause the lender to foreclose on it.

The borrower must complete a promissory note, but it is rarely recorded with the mortgage. Many lenders retain the note for the duration of the mortgage and return it to the borrower after the debt is repaid. If the situation demands a recorded promissory note, ensure that it meets all state and local standards for submitting documents.

Use these forms to finance residential property, condominiums, planned unit developments, vacant land, small commercial and rental property up to 4 units (more than 4 units add our "Assignment of Rents and Leases" form). This mortgage contains a power of sale clause, allowing for a non-judicial foreclosure, saving time and expense for the lender. A Promissory Note secured by a Mortgage that include stringent default terms can be beneficial to the lender.

Section 35-10-1 - Power of Sale Constitutes Part of Security; by Whom Executed; Effect of Conveyance; Index of Foreclosure Deeds. Where a power to sell lands is given to the grantee in any mortgage, or other conveyance intended to secure the payment of money, the power is part of the security, and may be executed by any person, or the personal representative of any person who, by assignment or otherwise, becomes entitled to the money thus secured; and a conveyance of the lands sold under such power of sale to the purchaser at the sale, executed by the mortgagee, any assignee or other person entitled to the money thus secured, his agent or attorney, or the auctioneer making the sale, vests the legal title thereto in such purchaser. Probate judges shall index foreclosure deeds by the names of the original grantor and grantee in the mortgage, and also by the names of the grantor and grantee in the foreclosure deeds.

This article is provided for informational purposes only and is not a substitute for the advice of an attorney.

(Alabama Mortgage Package includes forms, guidelines, and completed examples) For use in Alabama only.

Important: Your property must be located in Saint Clair County to use these forms. Documents should be recorded at the office below.

This Mortgage meets all recording requirements specific to Saint Clair County.

Our Promise

The documents you receive here will meet, or exceed, the Saint Clair County recording requirements for formatting. If there's an issue caused by our formatting, we'll make it right and refund your payment.

Save Time and Money

Get your Saint Clair County Mortgage form done right the first time with Deeds.com Uniform Conveyancing Blanks. At Deeds.com, we understand that your time and money are valuable resources, and we don't want you to face a penalty fee or rejection imposed by a county recorder for submitting nonstandard documents. We constantly review and update our forms to meet rapidly changing state and county recording requirements for roughly 3,500 counties and local jurisdictions.

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Stan B.

March 19th, 2022

Very satisfied with the PDF documents that I purchased. Will be able to transfer property without hiring an attorney. Well worth the price I paid. Stan

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September 11th, 2019

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A. S.

February 27th, 2019

First, I am glad that you gave a blank copy, an example copy, and a 'guide'. It made it much easier to do. Overall I was very happy with your products and organization... however, things got pretty confusing and I have a pretty 'serious' law background in Real Estate and Civil law. With that said, I spent about 10+ hours getting my work done, using the Deed of Trust and Promissory note from you and there were a few problems: First, it would be FANTASTIC if you actually aligned your guide to actually match the Deed or Promissory Note. What I mean is that if the Deed says 'section (E)' then your guide shouldn't be 'randomly' numbered as 1,2,3, for advice/instructions, but should EXACTLY match 'section (E)'. Some places you have to 'hunt' for what you are looking for, and if you did it based on my suggestion, you wouldn't need to 'hunt' and it would avoid confusion. 2nd: This one really 'hurt'... you had something called the 'Deed of Trust Master Form' yet you had basically no information on what it was or how to use it. The only information you had was a small section at the top of the 'Short Form Deed of Trust Guide'. Holy Cow, was that 'section' super confusing. I still don't know if I did it correctly, but your guide says only put a return address on it and leave the rest of the 16 or so page Deed of Trust beneath it blank... and then include your 'Deed of Trust' (I had to assume the short form deed that I had just created) as part of it. I had to assume that I had to print off the entire 17 page or so title page and blank deed. I also had to assume that the promissory note was supposed to be EXHIBIT A or B on the Short Form Deed. It would be great if someone would take a serious look at that short section in your 'Short Form Deed of Trust Guide' and realize that those of us using your products are seriously turning this into a county clerk to file and that most of us, probably already have a property that has an existing Deed... or at least can find one in the county records if necessary... and make sure that you make a distinction between the Deed for the property that already exists, versus the Deed of Trust and Promissory note that we are trying to file. Thanks.

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May 22nd, 2023

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February 22nd, 2024

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September 3rd, 2019

Although I am sure that the Quit Claim form was acceptable for my county, I felt that it was not formatted in the manor that I have seen while viewing the other deeds recorded. So that forms that I received were not useful to me.

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