Manatee County Mortgage with Assignment of Rents and Promissory Note Form
Last validated July 21, 2026 by our Forms Development Team
Manatee County Mortgage with Assignment of Rents and Promissory Note Form
Fill in the blank Mortgage with Assignment of Rents and Promissory Note form formatted to comply with all Florida recording and content requirements.

Manatee County Mortgage with Assignment of Rents and Promissory Note Guide
Line by line guide explaining every blank on the Mortgage with Assignment of Rents and Promissory Note form.

Manatee County Completed Example of the Mortgage with Assignment of Rents and Promissory Note Document
Example of a properly completed Florida Mortgage with Assignment of Rents and Promissory Note document for reference.

Manatee County Promissory Note Form
Note that is secured by the Mortgage Deed. Can be used for traditional installments or balloon payment.

Manatee County Promissory Note Guidelines
Line by line guide explaining every blank on the form.

Manatee County Completed Example of the Promissory Note
This Promissory Note is filled in and highlighted, showing how the guideline information, can be interpreted into the document.

Manatee County Annual Accounting Statement Form
Mail to borrower for fiscal year reporting.
All 7 documents above included • One-time purchase • No recurring fees
Immediate Download • Secure Checkout
Additional Florida and Manatee County documents included at no extra charge:
Where to Record Your Documents
Manatee County Clerk of Circuit Court
Bradenton, Florida 34205 / 34206
Hours: 8:30 to 4:30 M-F
Phone: (941) 749-1800
Recording Tips for Manatee County:
- Make copies of your documents before recording - keep originals safe
- Recording fees may differ from what's posted online - verify current rates
- Ask for certified copies if you need them for other transactions
Cities and Jurisdictions in Manatee County
Properties in any of these areas use Manatee County forms:
- Anna Maria
- Bradenton
- Bradenton Beach
- Cortez
- Ellenton
- Holmes Beach
- Longboat Key
- Myakka City
- Oneco
- Palmetto
- Parrish
- Sarasota
- Tallevast
- Terra Ceia
Hours, fees, requirements, and more for Manatee County
How do I get my forms?
Forms are available for immediate download after payment. The Manatee 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 Manatee County?
Yes. Our form blanks are guaranteed to meet or exceed the applicable formatting requirements used for recording in Manatee County, including margin requirements, font requirements, and other layout standards. This guarantee applies to formatting, not to the legal sufficiency of information entered by the user or the suitability of a form for a particular transaction.
Can I reuse these forms?
Yes. You can reuse the forms for your personal use. For example, if you have multiple properties in Manatee 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 Manatee County?
Recording fees in Manatee County vary. Contact the recorder's office at (941) 749-1800 for current fees.
Questions answered? Let's get started!
The Florida Mortgage with Assignment of Rents and Promissory Note is built for the way Florida actually treats secured real estate financing: as a lien on the property rather than a transfer of title, enforceable only through judicial foreclosure, and subject to a small but specific set of disclosure and tax obligations that catch out-of-state lenders by surprise. Because Florida is a lien theory state under Fla. Stat. § 697.02, the borrower keeps title and the lender's interest is recorded as a security interest only. Layered onto that are Florida's statutory rules for assigning rents (§ 697.07), balloon mortgage disclosure (§ 697.05), documentary stamp tax on the promissory note (§ 201.08), and the nonrecurring intangible tax on the obligation (§ 199.133). This package addresses each of those points and pairs the mortgage with a matching promissory note so the security instrument and the underlying debt fit together.
When this mortgage is commonly used in Florida
This instrument is most often used by private lenders and sellers financing rental or investment property in Florida — single-family rentals, small multi-unit buildings, and seller-carried transactions where the parties want a recordable mortgage and a separate note rather than an all-cash close. The assignment-of-rents clause gives the lender a way to reach the income stream from a tenant-occupied property after default without waiting for the foreclosure judgment, which is particularly useful when the property's primary collateral value is its rent roll.
Florida lien theory and judicial foreclosure
Florida treats a mortgage as a lien against real property rather than a conveyance of legal title (Fla. Stat. § 697.02). That has two practical consequences for this form. First, the mortgage does not transfer ownership — the borrower remains in title throughout. Second, when default occurs, the lender's only remedy is judicial foreclosure under Chapter 702, Florida Statutes. Florida does not allow non-judicial power-of-sale foreclosures, which means a default plays out in circuit court rather than through a trustee. The mortgage and note are drafted with that procedural reality in mind.
Assignment of rents under Fla. Stat. § 697.07
Florida's assignment-of-rents statute (Fla. Stat. § 697.07) governs how a mortgage may assign rents to the lender and how the lender enforces that assignment. Under the statute, an assignment of rents contained in a recorded mortgage creates a perfected, choate lien on the rents that takes effect on the date of recording. The borrower retains a license to collect rents in the ordinary course until default. After default, the lender may demand rents directly from the tenants by written notice, and the lender may also seek sequestration of rents through the court during a foreclosure action. The mortgage in this package contains language consistent with that framework, including a written-notice mechanism that revokes the borrower's license to collect rents upon default.
Balloon mortgage disclosure under § 697.05
Florida law requires a specific disclosure on any mortgage where the final payment, or the principal balance due at maturity, is greater than twice the amount of the regular periodic payment. Section 697.05(2)(a)1, Florida Statutes, prescribes the substantial form of the legend that must appear on the face of the mortgage, identifying it as a balloon mortgage and stating the final principal payment amount. Recording a mortgage that meets the statutory definition of a balloon without the required legend can expose the lender to penalties and complicate enforcement, so the form provides the legend in the proper place when balloon terms are used.
Documentary stamps and intangible tax at recording
Florida imposes two transaction taxes that are unfamiliar to lenders accustomed to other states. Documentary stamp tax on the promissory note is owed at the rate of 35 cents per $100 of the obligation under Fla. Stat. § 201.08, and the nonrecurring intangible tax on a mortgage encumbering Florida real property is owed at 2 mills per dollar of the obligation under Fla. Stat. § 199.133 — commonly stated as $2 per $1,000 of principal. Both are typically collected by the clerk at recording, and a mortgage presented without the correct stamps will be refused. The amounts are not large, but they are non-negotiable.
Homestead and spousal joinder
If the property is the borrower's homestead under Article X, Section 4 of the Florida Constitution, both spouses must sign the mortgage even when title is held in only one spouse's name. The constitutional homestead protection cannot be waived by a single owner-spouse, and a mortgage on homestead executed by only one spouse is voidable. Property held purely as a rental is typically not homestead, but Florida residency and use questions are fact-specific, so the form is set up to accept both spouses' signatures when needed.
Execution: signatures, witnesses, and notarization
Florida requires that any instrument creating, encumbering, or releasing a real property interest — which includes a mortgage — be signed by the grantor (the borrower, here) in the presence of two subscribing witnesses (Fla. Stat. § 689.01). The borrower's signature must also be acknowledged before a notary public for the mortgage to be entitled to recording (Fla. Stat. § 695.03). The witnesses must sign the document, with their printed names appearing beneath their signatures, and the notary block must include the commission information. The promissory note in the package is signed but not witnessed or notarized — only the mortgage is recorded.
Recording requirements and format
The executed mortgage is recorded with the Clerk of the Circuit Court in the Florida county where the property is located. Recording is what gives the mortgage priority and constructive notice against subsequent purchasers and creditors under Fla. Stat. § 695.01. Florida also has specific format requirements for recordable instruments under Fla. Stat. § 695.26: the name and address of the natural person who prepared the instrument must appear on the face of the document, the name of each signer must be printed or typed beneath the signature, and the document must comply with the clerk's margin and paper-size standards. A document missing the preparer block or with insufficient margins will be rejected at the counter.
What's included in the download package
The Florida Mortgage with Assignment of Rents and Promissory Note package contains the mortgage form, the matching promissory note, written guidelines explaining how the documents work together and how the Florida-specific provisions apply, and a completed example showing typical use. The forms are delivered as fillable PDFs for instant download after purchase. The package is for use in Florida only.
Important: Your property must be located in Manatee County to use these forms. Documents should be recorded at the office below.
This Mortgage with Assignment of Rents and Promissory Note meets all recording requirements specific to Manatee County.
Our Promise
The documents you receive here are guaranteed to meet or exceed the applicable Manatee County recording format requirements. If there is a rejection caused by our formatting, we will correct the issue or refund your payment. This guarantee applies to document formatting only and does not extend to information entered by the user, the selection of the form, or the legal effect of the completed document.
Save Time and Money
Get your Manatee County Mortgage with Assignment of Rents and Promissory Note 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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May 6th, 2026
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