Georgia Forms

Habersham County Deed to Secure Debt and Promissory Note Form

Habersham County Deed to Secure Debt

Habersham County Deed to Secure Debt

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

Document Last Validated 8/1/2025
Habersham County Deed to Secure Debt Guidelines

Habersham County Deed to Secure Debt Guidelines

Line by line guide explaining every blank on the form.

Document Last Validated 5/13/2025
Habersham County Completed Example-Deed to Secure Debt

Habersham County Completed Example-Deed to Secure Debt

Example of a properly completed form for reference.

Document Last Validated 8/13/2025
Habersham County Waiver of Borrowers Rights Form

Habersham County Waiver of Borrowers Rights Form

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

Document Last Validated 8/20/2025
Habersham County Promissory Note Form

Habersham County Promissory Note Form

Note that is secured by the Deed to Secure Debt

Document Last Validated 8/18/2025
Habersham County Promissory Note Guidelines

Habersham County Promissory Note Guidelines

Line by line guide explaining every blank on the form.

Document Last Validated 5/1/2025
Habersham County Completed Example of the Promissory Note Document

Habersham County Completed Example of the Promissory Note Document

Example of a properly completed form for reference.

Document Last Validated 3/13/2025
Habersham County Annual Accounting Statement Form

Habersham County Annual Accounting Statement Form

Mail to borrower for fiscal year reporting.

Document Last Validated 5/19/2025

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

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

Where to Record Your Documents

Clerk of Superior Court
Address:
295 Llewellyn St, Suite 110
Clarkesville, Georgia 30523

Hours: 8:00am-5:00pm M-F

Phone: (706) 839-0300

Recording Tips for Habersham County:
  • Bring your driver's license or state-issued photo ID
  • Ask if they accept credit cards - many offices are cash/check only
  • Ask about their eRecording option for future transactions
  • Recorded documents become public record - avoid including SSNs
  • Both spouses typically need to sign if property is jointly owned

Cities and Jurisdictions in Habersham County

Properties in any of these areas use Habersham County forms:

  • Alto
  • Clarkesville
  • Cornelia
  • Demorest
  • Mount Airy
  • Turnerville

View Complete Recorder Office Guide

Hours, fees, requirements, and more for Habersham County

How do I get my forms?

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

Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Habersham 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 Habersham 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 Habersham County?

Recording fees in Habersham County vary. Contact the recorder's office at (706) 839-0300 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 Habersham 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 Habersham County.

Our Promise

The documents you receive here will meet, or exceed, the Habersham 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 Habersham 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.

4.8 out of 5 - ( 4577 Reviews )

John H.

August 1st, 2019

Great service

Reply from Staff

Thank you!

Kenny H.

January 14th, 2020

The forms are extremely helpful. They could use some updating. Promissory note "...in the form of cash, check or money order." is a bit outdated. My note is with my son and we have an automatic bank transfer set up for payments. He could Venmo me. There are many other options and likely to be more changes in the future, so I know this is difficult to maintain.

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Michael W.

February 22nd, 2023

I thought it was fine, but I would like to have the option to download Word versions of each form, for easier preparation on my end.

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Fred P.

April 1st, 2021

Great website to get your state and county forms.

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PETER C.

October 7th, 2020

The process was quick and simple to follow. Very efficient way to document Deeds.

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Diana M.

June 25th, 2020

First time user - process went very smooth and fast. It took me a little to find my messages. At first I didn't know you process documents other than deeds so maybe you should consider putting on your home page that it's not only for deeds - it's for any document that needs recording. :)

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March 12th, 2020

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August 4th, 2021

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March 12th, 2025

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February 21st, 2020

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September 4th, 2019

I stand corrected. I received my report and it was exactly what I requested.

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June 9th, 2021

Easy website to navigate. Found the form I needed within seconds. Thank you

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Martin P.

April 6th, 2019

The DEEDs website is very easy to navigate and find the required documents. I have not yet had an opportunity to review the documents I purchased and downloaded. That is the reason I have assigned a rating of four stars. I fully hope that can raise my rating to five stars after I've used those documents.

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December 30th, 2018

I'm not certain yet that this is all I need to do what I need to do. Marion Co. Clerk's office has not been helpful. I found this site from that site & hopefully it will help.

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Maggie C.

April 29th, 2020

Easy to use fantastic website. Immediately found the Sheriff's Deed I needed.

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