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 6/3/2025
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 7/15/2025
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 2/25/2025
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:
  • Leave recording info boxes blank - the office fills these
  • Avoid the last business day of the month when possible
  • Bring extra funds - fees can vary by document type and page count

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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