Clay County Real Estate Mortgage and Promissory Note Form (Iowa)
All Clay County specific forms and documents listed below are included in your immediate download package:
Real Estate Mortgage Form
Fill in the blank form formatted to comply with all recording and content requirements.
Included Clay County compliant document last validated/updated 6/30/2025
Real Estate Mortgage Guidelines
Line by line guide explaining every blank on the form.
Included Clay County compliant document last validated/updated 6/17/2025
Completed Example of a Real Estate Mortgage Document
Example of a properly completed form for reference.
Included Clay County compliant document last validated/updated 6/16/2025
Promissory Note Form
Note that is secured by the Mortgage document.
Included Clay County compliant document last validated/updated 7/11/2025
Promissory Note Guidelines
Line by line guide explaining every blank on the form.
Included Clay County compliant document last validated/updated 4/4/2025
Completed Example of the Promissory Note Document
Example of a properly completed form for reference.
Included Clay County compliant document last validated/updated 6/2/2025
Annual Accounting Statement Form
Issue to borrower(s) for fiscal year reporting.
Included Clay County compliant document last validated/updated 4/2/2025
Residential Property Disclosure Statement Form
Required with residential property.
Included Clay County compliant document last validated/updated 5/20/2025
The following Iowa and Clay County supplemental forms are included as a courtesy with your order:
When using these Real Estate Mortgage and Promissory Note forms, the subject real estate must be physically located in Clay County. The executed documents should then be recorded in the following office:
Clay County Recorder
County Administration Bldg - 300 W 4th St, Suite 3, Spencer, Iowa 51301
Hours: 8:00am to 4:30pm M-F
Phone: (712) 262-1081
Local jurisdictions located in Clay County include:
- Dickens
- Everly
- Fostoria
- Gillett Grove
- Greenville
- Peterson
- Royal
- Spencer
- Webb
How long does it take to get my forms?
Forms are available immediately after submitting payment.
How do I get my forms, are they emailed?
Immediately after you submit payment, the Clay County forms you order will be available for download directly from your account. You can then download the forms to your computer. If you do not already have an account, one will be created for you as part of the order process, and your login details will be provided to you. If you encounter any issues accessing your forms, please reach out to our support team for assistance. Forms are NOT emailed to you.
What does "validated/updated" mean?
This indicates the most recent date when at least one of the following occurred:
- Updated: The document was updated or changed to remain compliant.
- Validated: The document was examined by an attorney or staff, or it was successfully recorded in Clay County using our eRecording service.
Are these forms guaranteed to be recordable in Clay County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Clay County including margin requirements, content requirements, font and font size requirements.
Can the Real Estate Mortgage and Promissory Note forms be re-used?
Yes. You can re-use the forms for your personal use. For example, if you have more than one property in Clay County that you need to transfer you would only need to order our forms once for all of your properties in Clay County.
What are supplemental forms?
Often when a deed is recorded, additional documents are required by Iowa or Clay County. These could be tax related, informational, or even as simple as a coversheet. Supplemental forms are provided for free with your order where available.
What type of files are the forms?
All of our Clay County Real Estate Mortgage and Promissory Note forms are PDFs. You will need to have or get Adobe Reader to use our forms. Adobe Reader is free software that most computers already have installed.
Do I need any special software to use these forms?
You will need to have Adobe Reader installed on your computer to use our forms. Adobe Reader is free software that most computers already have installed.
Do I have to enter all of my property information online?
No. The blank forms are downloaded to your computer and you fill them out there, at your convenience.
Can I save the completed form, email it to someone?
Yes, you can save your deed form at any point with your information in it. The forms can also be emailed, blank or complete, as attachments.
Are there any recurring fees involved?
No. Nothing to cancel, no memberships, no recurring fees.
Use these forms to finance real property - vacant land, residential, condominiums, small commercial, rental and planned unit developments. This mortgage has the option of being used as a purchase money mortgage defined by Iowa Code 654.12b (shall have priority over and is senior to preexisting judgments against the purchaser and any other right, title, interest, or lien arising either directly or indirectly by, through, or under the purchaser.) (IC654.12b(1))
[A mortgage is a purchase money mortgage to the extent it is either:
a. Taken or retained by the seller of the real estate to secure all or part of its price, including all costs in connection with the purchase.
b. Taken by a lender who, by making an advance or incurring an obligation, provides funds to enable the purchaser to acquire rights in the real estate, including all costs in connection with the purchase, if the funds are in fact so used. Except when it is a refinancing of an existing purchase money mortgage between the same lender and purchaser and no new funds are advanced, a mortgage given to secure funds which are used to pay off another mortgage is not a purchase money mortgage.
2. If more than one purchase money mortgage exists, the first mortgage to be recorded has priority. In order to be entitled to the rights provided by this section, the mortgage must contain a recital that it is a purchase money mortgage. However, failure to include the recital in the mortgage shall not prevent a mortgage otherwise qualifying as a purchase money mortgage from being a purchase money mortgage for purposes other than this section. The rights in this section are in addition to, and the obligations are not in derogation of, all rights provided by common law.] [Iowa Code 654.12B]
A mortgage and promissory note that include stringent default terms and conditions can be beneficial to the lender.
(Iowa Mortgage Package includes forms, guidelines, and completed examples) For use in Iowa only.
Our Promise
The documents you receive here will meet, or exceed, the Clay 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 Clay County Real Estate Mortgage 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 30th, 2022
I bought the Transfer on Death Deed documents.
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Maria S.
January 10th, 2019
The paperwork/forms are fine, but there isn't enough explanation for me to figure out how to file the extra forms (which I do need in my case). The main form, Deed Upon Death is fine. I think the price is pretty high for these forms. I wouldn't have purchased it because there are places to get them for much cheaper (about 6 dollars), but this site had the extra forms I wanted (property in a trust and another form). Unfortunately these were included as a "courtesy" and there are no instructions for them. So three stars for being clear about what was in the package, having the right forms that I need, but instructions for putting them to use and price took a couple of stars off. Downloading was easy and once you download you can type the info into the PDF--that makes working with the forms much easier.
Thank you for the feedback Maria. Regarding the supplement documents, it is best to get assistance from the agency that requires them. These are not legal documents, they should provide full support and guidance for them.
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November 30th, 2022
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