Georgia Forms

Towns County Deed to Secure Debt and Promissory Note Form

Towns County Deed to Secure Debt

Towns 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
Towns County Deed to Secure Debt Guidelines

Towns County Deed to Secure Debt Guidelines

Line by line guide explaining every blank on the form.

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

Towns County Completed Example-Deed to Secure Debt

Example of a properly completed form for reference.

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

Towns County Waiver of Borrowers Rights Form

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

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

Towns County Promissory Note Form

Note that is secured by the Deed to Secure Debt

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

Towns County Promissory Note Guidelines

Line by line guide explaining every blank on the form.

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

Towns County Completed Example of the Promissory Note Document

Example of a properly completed form for reference.

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

Towns 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

Immediate Download • Secure Checkout

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

Where to Record Your Documents

Clerk of Superior Court
Address:
48 River St, Suite E
Hiawassee, Georgia 30546

Hours: 8:30 to 4:30 M-F

Phone: (706) 896-2130

Recording Tips for Towns County:
  • Ensure all signatures are in blue or black ink
  • Ask if they accept credit cards - many offices are cash/check only
  • Recorded documents become public record - avoid including SSNs
  • Request a receipt showing your recording numbers

Cities and Jurisdictions in Towns County

Properties in any of these areas use Towns County forms:

  • Hiawassee
  • Young Harris

View Complete Recorder Office Guide

Hours, fees, requirements, and more for Towns County

How do I get my forms?

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

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

Recording fees in Towns County vary. Contact the recorder's office at (706) 896-2130 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 Towns 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 Towns County.

Our Promise

The documents you receive here will meet, or exceed, the Towns 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 Towns 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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July 24th, 2019

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April 25th, 2019

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March 31st, 2019

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March 18th, 2025

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Robert J.

August 11th, 2020

Ordered the quitclaim forms. Amazing value! Received everything I needed and then some. The forms were easy to use and understand with the help of the guide. The best part was that once completed I used deeds.com's e-recording service to submit the document for recording (our county offices are still closed). Outstanding!

Reply from Staff

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September 23rd, 2024

very efficient and easy to use online platform. I reviewed several different sites before I settle on this one. Took my deed to the courthouse today and recorded it with no problems.

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