Georgia Forms

Oconee County Deed to Secure Debt and Promissory Note Form

Oconee County Deed to Secure Debt

Oconee 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
Oconee County Deed to Secure Debt Guidelines

Oconee County Deed to Secure Debt Guidelines

Line by line guide explaining every blank on the form.

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

Oconee County Completed Example-Deed to Secure Debt

Example of a properly completed form for reference.

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

Oconee County Waiver of Borrowers Rights Form

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

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

Oconee County Promissory Note Form

Note that is secured by the Deed to Secure Debt

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

Oconee County Promissory Note Guidelines

Line by line guide explaining every blank on the form.

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

Oconee County Completed Example of the Promissory Note Document

Example of a properly completed form for reference.

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

Oconee 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 Oconee County to use these forms. Documents should be recorded at the office below.

Where to Record Your Documents

Clerk of Superior Court
Address:
Courthouse - 23 North Main St, Rm 208 / PO Box 1099
Watkinsville, Georgia 30677

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

Phone: (706) 769-3940

Recording Tips for Oconee County:
  • Request a receipt showing your recording numbers
  • Both spouses typically need to sign if property is jointly owned
  • Bring multiple forms of payment in case one isn't accepted

Cities and Jurisdictions in Oconee County

Properties in any of these areas use Oconee County forms:

  • Bishop
  • Bogart
  • Farmington
  • Watkinsville

View Complete Recorder Office Guide

Hours, fees, requirements, and more for Oconee County

How do I get my forms?

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

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

Recording fees in Oconee County vary. Contact the recorder's office at (706) 769-3940 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 Oconee 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 Oconee County.

Our Promise

The documents you receive here will meet, or exceed, the Oconee 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 Oconee 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 - ( 4578 Reviews )

James C.

December 28th, 2021

Worked well.

Reply from Staff

Thank you!

Patricia P.

July 14th, 2021

Easy to use and super convenient.

Reply from Staff

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Linda M L.

September 7th, 2023

Easy to use, documents look good, but pretty expensive.

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Jo G.

November 8th, 2021

The form was easy enough to purchase but I ended up not needing it. No fault of Deeds.com, but it was of no value to me.

Reply from Staff

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Sharon B.

August 11th, 2022

My questions were answered promptly. I was not able to locate the deed I was searching for because my county has not uploaded the documents to be accessed through this system. I am sure I could have found what I was looking for had the information been available through the system. Thank you for your assistance.

Reply from Staff

Thank you!

Donald W.

July 28th, 2023

Well organized document preparation. Great way to save on legal fees

Reply from Staff

Thank you for your feedback. We really appreciate it. Have a great day!

Charmaine D.

August 7th, 2022

Very easy to use.

Reply from Staff

Thank you!

Sherri S.

July 3rd, 2019

Appreciate your diligent assistance.

Reply from Staff

Thank you!

Brenda M.

February 3rd, 2021

I was glad that I paid to get a copy of the gift deed it help me out a lot and the copy of the example how to fill everything out was great

Reply from Staff

Thank you for your feedback. We really appreciate it. Have a great day!

Nicole M.

February 24th, 2020

Very helpful and happy with my service. Thanks much!

Reply from Staff

Thank you!

Christine W.

December 30th, 2020

excellent

Reply from Staff

Thank you!

Stacie L.

April 1st, 2020

The deed is great. However, I do not believe your Statement of Full Consideration is up to date as it does not give the reference for an exemption on the Transfer on Death Deed.

Reply from Staff

Thank you Stacie. We'll take a look at those supplemental forms. Have a great day!

Regina S.

January 13th, 2022

5 STARS!!! YOU WERE AWESOME!

Reply from Staff

We appreciate your business and value your feedback. Thank you. Have a wonderful day!

Suzanne W.

July 10th, 2020

Excellent service, knowledgeable, and quick responses. I'll be using this service again for any future filing needs. WAY better than going to the filing office in person!

Reply from Staff

Thank you so much for the kind words Suzanne, glad we could help.

Marilyn C.

April 6th, 2020

My document got recorded right away. Thank you! Will use again in the future when needed.

Reply from Staff

We appreciate your business and value your feedback. Thank you. Have a wonderful day!