Charlton County Deed to Secure Debt and Promissory Note Form

Last validated July 3, 2026 by our Forms Development Team

Charlton County Deed to Secure Debt

Charlton County Deed to Secure Debt

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

Document Last Validated 6/10/2026
Charlton County Deed to Secure Debt Guidelines

Charlton County Deed to Secure Debt Guidelines

Line by line guide explaining every blank on the form.

Document Last Validated 6/30/2026
Charlton County Completed Example-Deed to Secure Debt

Charlton County Completed Example-Deed to Secure Debt

Example of a properly completed form for reference.

Document Last Validated 6/12/2026
Charlton County Waiver of Borrowers Rights Form

Charlton County Waiver of Borrowers Rights Form

Borrowers confirm they have waived their rights to a judicial foreclosure.

Document Last Validated 6/30/2026
Charlton County Promissory Note Form

Charlton County Promissory Note Form

Note that is secured by the Deed to Secure Debt

Document Last Validated 7/3/2026
Charlton County Promissory Note Guidelines

Charlton County Promissory Note Guidelines

Line by line guide explaining every blank on the form.

Document Last Validated 5/25/2026
Charlton County Completed Example of the Promissory Note Document

Charlton County Completed Example of the Promissory Note Document

Example of a properly completed form for reference.

Document Last Validated 6/15/2026
Charlton County Annual Accounting Statement Form

Charlton County Annual Accounting Statement Form

Mail to borrower for fiscal year reporting.

Document Last Validated 6/17/2026

All 8 documents above included • One-time purchase • No recurring fees

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

Where to Record Your Documents

Charlton Clerk of Superior Court

Address:
1520 Third St, Suite A
Folkston, Georgia 31537-8961

Hours: 8:00am - 5:00pm Monday - Friday

Phone: (912) 496-2354

Recording Tips for Charlton County:
  • Double-check legal descriptions match your existing deed
  • White-out or correction fluid may cause rejection
  • Make copies of your documents before recording - keep originals safe

Cities and Jurisdictions in Charlton County

Properties in any of these areas use Charlton County forms:

  • Folkston
  • Saint George

View Complete Recorder Office Guide

Hours, fees, requirements, and more for Charlton County

How do I get my forms?

Forms are available for immediate download after payment. The Charlton 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 Charlton County?

Yes. Our form blanks are guaranteed to meet or exceed the applicable formatting requirements used for recording in Charlton 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 Charlton 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 Charlton County?

Recording fees in Charlton County vary. Contact the recorder's office at (912) 496-2354 for current fees.

Questions answered? Let's get started!

A "Deed to Secure Debt" often called a "Security Deed" that is protected by a "Promissory Note" is the preferred method of financing by Lenders in Georgia. Foreclosures can be done non-judicially saving time and expense. It being intended by the parties that this document shall operate as a deed, not as a mortgage and is made under those provisions of O.C.G.A. Sections 44-14-60 through 44-14-85 to secure the payment of Indebtedness.

There are two parties in this instrument.
"Borrower" means a person who has secured an indebtedness with a security interest in real property or a person who has taken an interest in real property subject to an outstanding security interest in the real property and has notified the holder of the security interest that he has taken the real property and assumed the indebtedness secured by the real property. (Section 44-14-5)(1)

"Lender" means a person who has a security interest in real property, which interest is evidenced by a security deed, a mortgage, a trust deed, a bond for title, or other security document granting a security interest in real property to secure an indebtedness owed to the lender. (Section 44-14-5)(2)

All transfers of deeds to secure debt shall be in writing; shall be signed by the grantee or, if the deed has been previously transferred, by the last transferee; and shall be witnessed as required for deeds. 44-14-64(a) This Document meets Georgia County and State recording requirements

Every deed to secure debt shall be recorded in the county where the land conveyed is located. Every bill of sale to secure debt shall be recorded in the county where the maker, if a resident of this state, resided at the time of its execution and, if a nonresident, in the county where the personalty conveyed is located. Deeds or bills of sale not recorded shall remain valid against the persons executing them. The effect of the failure to record deeds and bills of sale shall be the same as the effect of the failure to record a deed of bargain and sale. 44-14-63(a)
(A deed to secure debt shall not be recorded unless it includes the mailing address of the grantee thereof.) (44-14-63(b))

The Promissory Note is a contract used to evidence the debt owed by the borrower. The borrower promises to pay the lender the agreed amount under certain terms and conditions, these include interest rate, late payments, default interest rate (what the interest rate increases to, after a specified number of days)

Use for Residential Property, Condominiums, Rental Property, Vacant Land, Planned Unit Development and Small Commercial Property.

(Georgia Deed to Secure Debt Package includes forms, guidelines, and completed examples) For use in Georgia Only.



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

This Deed to Secure Debt and Promissory Note meets all recording requirements specific to Charlton County.

Our Promise

The documents you receive here are guaranteed to meet or exceed the applicable Charlton 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 Charlton County Deed to Secure Debt 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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September 15th, 2019

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August 30th, 2022

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July 24th, 2020

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September 17th, 2020

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November 23rd, 2021

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March 3rd, 2024

I was thrilled that I could execute the paperwork for a lady bird deed here in Florida ! Thank you

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June 2nd, 2022

ALL I CAN SAY IS WOW. I AM SO GLAD THAT SOMEONE THOUGHT OF THIS OPROCESS FOR NON-TITLE COMPANIES, SMALL COMPANIES, ETC. I REALLY APPRECIATED THE SERVICE WHEN I RECORDED MY FIRST SET OF DOCS HERE. THEY WERE A MESS AND I HAD A LOT OF QUESTIONS. AGAIN THANK YOU!

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December 29th, 2022

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Thomas D.

April 30th, 2020

The documents themselves are fine and the information provided with them is helpful. I find the actual processing of the documents, however, to be difficult particularly once the document has been saved. First, I note that the box for the date only allows entry of the last 2 digits of the year. Unfortunately, my download only allows me to enter one of the 2 digits required. When I delete it repeatedly, it eventually allows both digits to be entered but puts them in extremely small text and in superscrypt. I have not found a solution to this problem and am not sure the deed can even be recorded with this problem. Another problem is that if you try to revise the document after you have saved it the curser goes to the end of the line after each key entry. This means that there basically is no way to efficiently save the document for reworking later since you will have to delete everything you have entered in the text box unless you only need to make a single keystroke change or are willing to replace the curser after each entry. Try that with a long property description! Please note that I am using a Mac to prepare my documents and perhaps this is part of an "incompatibility problem". However, I didn't see a disclaimer regarding Mac use and so would expect the documents to perform correctly. Overall, I give the program a "2 star" rating because I am experiencing significant difficulties in entering dates in the documents even before saving them and because saving your work for later revision appears to be basically unworkable.

Reply from Staff

Thank you for your feedback Thomas, we appreciate you being specific about the issues you encountered. Adobe and Mac have a fairly long history of issues working together.

Tracey T.

July 19th, 2019

Lots of great information. Might need to view it again but found it very helpful!

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William R.

May 6th, 2026

Yes I received the forms downloaded them and the example is very helpful as I have not used this form before, Thank you

Reply from Staff

We’re glad the completed example helped make the process easier for you. Thanks for the review, William, and thank you for choosing us.

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May 27th, 2020

I liked the information I download. Just what I was looking for.

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December 17th, 2020

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March 17th, 2021

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