Iowa Forms

Ringgold County Memorandum of Contract Form

Ringgold County Memorandum of Contract Form

Ringgold County Memorandum of Contract Form

Fill in the blank Memorandum of Contract form formatted to comply with all Iowa recording and content requirements.

Document Last Validated 6/9/2025
Ringgold County Memorandum of Contract Guide

Ringgold County Memorandum of Contract Guide

Line by line guide explaining every blank on the Memorandum of Contract form.

Document Last Validated 7/28/2025
Ringgold County Completed Example of the Memorandum of Contract Document

Ringgold County Completed Example of the Memorandum of Contract Document

Example of a properly completed Iowa Memorandum of Contract document for reference.

Document Last Validated 4/23/2025

All 3 documents above included • One-time purchase • No recurring fees

Immediate Download • Secure Checkout

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

Where to Record Your Documents

Ringgold County Recorder
Address:
Courthouse - 109 W Madison, Suite 204
Mt. Ayr, Iowa 50854-1651

Hours: 8:00am to 4:00pm M-F

Phone: (641) 464-3231

Recording Tips for Ringgold County:
  • Verify all names are spelled correctly before recording
  • Both spouses typically need to sign if property is jointly owned
  • Have the property address and parcel number ready

Cities and Jurisdictions in Ringgold County

Properties in any of these areas use Ringgold County forms:

  • Benton
  • Diagonal
  • Ellston
  • Kellerton
  • Mount Ayr
  • Redding
  • Tingley

View Complete Recorder Office Guide

Hours, fees, requirements, and more for Ringgold County

How do I get my forms?

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

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

Recording fees in Ringgold County vary. Contact the recorder's office at (641) 464-3231 for current fees.

Questions answered? Let's get started!

In Iowa, under Iowa Code Section 558.46, a Memorandum of Contract can be used as a legal alternative to recording the entire real estate installment sales contract, particularly for residential property. The law provides that when certain residential real estate installment sales contracts are entered into, either the full contract or a memorandum of the contract must be recorded. Below are the key uses and implications of using a Memorandum of Contract under Iowa Code 558.46:

Key Uses of a Memorandum of Contract in Iowa:
1. Public Notice of Buyer’s Interest: The primary purpose of recording a Memorandum of Contract is to put the public on notice that the buyer has an interest in the property under an installment sales contract (contract for deed). This helps protect the buyer from claims by third parties, such as future buyers, lienholders, or creditors, who may otherwise be unaware of the buyer’s interest in the property.

Once recorded, the memorandum provides notice that a contract exists, without revealing all details of the transaction.

2. Satisfying the Recording Requirement: Iowa law under 558.46 requires that certain residential real estate installment sales contracts must be recorded to protect the interests of the parties and ensure transparency in property transactions.

The statute allows for either the entire contract or a memorandum of the contract to be recorded, giving parties the option to record a summary document rather than the full agreement

3. Privacy Protection: A key benefit of using a Memorandum of Contract is that it allows the parties to keep sensitive financial details (e.g., the purchase price, installment payment terms, interest rate) private. While the memorandum must include essential information (like the names of the parties, property description, and date of the agreement), it does not need to disclose the entire contents of the contract.

This allows the parties to protect the privacy of their financial arrangements while still complying with the recording requirement.

4. Avoiding Legal Disputes: Recording the memorandum serves as a protective measure to prevent legal disputes over the property. It establishes that a valid contract exists, preventing the seller from attempting to sell the property to another party without the buyer’s knowledge.

It can also be useful if the seller fails to comply with their obligations under the contract, as the recorded memorandum establishes the buyer’s rights.

5. Complying with Iowa’s Legal Framework: Recording either the entire contract or a memorandum ensures compliance with Iowa law and avoids potential legal issues related to the failure to record. Under Iowa Code 558.46, if the contract is not recorded within 90 days of execution, the seller may be subject to fines and penalties, and the buyer may take steps to record the contract or memorandum to protect their interest.

Information Typically Included in a Memorandum of Contract: (If a real estate contract is required to be recorded under this section, the requirement is satisfied by recording either the entire real estate contract or a memorandum of the contract containing at least the names and addresses of all parties named in the contract, a description of all real property and interests in the real property subject to the contract, the length of the contract, and a statement as to whether the seller is entitled to the remedy of forfeiture and as to the dates upon which payments are due. Mandatory recording of certain residential real estate installment sales contracts. 558.46(4))

Example Scenario of Use:
A buyer enters into a contract for deed to purchase a residential property in Iowa. Rather than record the entire contract, which contains sensitive financial information, the buyer and seller agree to record a Memorandum of Contract. The memorandum includes the essential details, such as the names of the parties, the date of the contract, and the property description. This ensures that the buyer's interest is protected and the public is on notice, while keeping financial details private.
Legal Consequences of Non-Compliance:

If the seller fails to record the contract or memorandum within 90 days as required under Iowa Code 558.46, the buyer has the right to record the contract or memorandum themselves.

Sellers who do not comply with this requirement may face legal penalties, and their failure to record could expose the buyer to risks such as third-party claims against the property.

In Iowa, recording a Memorandum of Contract under 558.46 serves as a critical tool for protecting the buyer’s interest in a property under an installment sales contract, while also allowing for privacy in sensitive financial terms. It fulfills the legal requirement for recording and protects both parties against future disputes or claims by third parties.

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

This Memorandum of Contract meets all recording requirements specific to Ringgold County.

Our Promise

The documents you receive here will meet, or exceed, the Ringgold 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 Ringgold County Memorandum of Contract 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 - ( 4573 Reviews )

ARTHEMEASE B.

November 8th, 2021

You made a very confusing process very easy. Your response was timely. I will definitely use you again.

Reply from Staff

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

Janet P.

July 30th, 2021

Extremely easy to use. The guide and sample were a great source of reference.

Reply from Staff

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

Johnny A.

December 15th, 2018

My complete name is Johnny Alicea Rodriguez And the DEED is on my half brother and mine name. Jimmy Dominguez and myself Thanks

Lucille F.

December 9th, 2019

Instructions very detailed and clear.

Reply from Staff

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

Carl T.

October 1st, 2020

Awesome! Quick service and well worth the very minimal fee for the convenience of being able to quickly record my mothers will without having to leave the house. Also, our court is currently closed due to Covid. So happy to have found Deeds.com

Reply from Staff

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

william h.

September 26th, 2022

got what I needed.

Reply from Staff

Thank you!

Philip B.

October 18th, 2019

Pleased with the results, except for the "notice of confidentiality rights" above the QUIT CLAIM DEED headline. Is it needed to be included on the form or can it be removed ? How can it be removed, I do not see a reason for it to be on the print out copy. Thank you.

Reply from Staff

Thank you!

Trina F.

November 13th, 2020

Easy to purchase. Everything you need to get the job done!

Reply from Staff

Thank you!

Cecelia S.

July 31st, 2021

I was looking for a copy of my deed and was able to complete the request and get copy fast.

Reply from Staff

Thank you!

John K.

December 28th, 2020

The sample completed form was a big help. While not exactly on point with my situation, it was enough to help me complete it on my own

Reply from Staff

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

mary g.

March 12th, 2019

Easy site. Reasonably priced

Reply from Staff

Thank you Mary.

Chad N.

March 16th, 2021

Thank you for taking care of a recording very quickly. I am very impressed by your service an would recommend to anyone. Easy to navigate.

Reply from Staff

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

Kenneth H.

October 13th, 2021

The deeds.com website is incredibly easy to navigate and the nearly instantaneous chat function allowed me to quickly correct an entry error I made uploading a document. The day after enrolling and uploading the document I had a copy of the document properly filed. Very efficient; very effective.

Reply from Staff

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

Louise P.

April 28th, 2022

Easy to use

Reply from Staff

Thank you!

Lynd P.

January 14th, 2019

Good

Reply from Staff

Thanks Lynd.