Clay County Real Estate Mortgage and Promissory Note Form
Last validated June 25, 2026 by our Forms Development Team
Clay County Real Estate Mortgage Form
Fill in the blank form formatted to comply with all recording and content requirements.
Clay County Real Estate Mortgage Guidelines
Line by line guide explaining every blank on the form.
Clay County Completed Example of a Real Estate Mortgage Document
Example of a properly completed form for reference.
Clay County Promissory Note Form
Note that is secured by the Mortgage document.
Clay County Promissory Note Guidelines
Line by line guide explaining every blank on the form.
Clay County Completed Example of the Promissory Note Document
Example of a properly completed form for reference.
Clay County Annual Accounting Statement Form
Issue to borrower(s) for fiscal year reporting.
Clay County Residential Property Disclosure Statement Form
Required with residential property.
All 8 documents above included • One-time purchase • No recurring fees
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Additional Iowa and Clay County documents included at no extra charge:
Where to Record Your Documents
Clay County Recorder
Spencer, Iowa 51301
Hours: 8:00am to 4:30pm M-F
Phone: (712) 262-1081
Recording Tips for Clay County:
- Ask if they accept credit cards - many offices are cash/check only
- Request a receipt showing your recording numbers
- Recording fees may differ from what's posted online - verify current rates
Cities and Jurisdictions in Clay County
Properties in any of these areas use Clay County forms:
- Dickens
- Everly
- Fostoria
- Gillett Grove
- Greenville
- Peterson
- Royal
- Spencer
- Webb
Hours, fees, requirements, and more for Clay County
How do I get my forms?
Forms are available for immediate download after payment. The Clay 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 Clay County?
Yes. Our form blanks are guaranteed to meet or exceed the applicable formatting requirements used for recording in Clay County, including margin requirements, font requirements, and other layout standards. This guarantee applies to formatting, not to the legal sufficiency of information entered by the user or the suitability of a form for a particular transaction.
Can I reuse these forms?
Yes. You can reuse the forms for your personal use. For example, if you have multiple properties in Clay 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 Clay County?
Recording fees in Clay County vary. Contact the recorder's office at (712) 262-1081 for current fees.
Questions answered? Let's get started!
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.
Important: Your property must be located in Clay County to use these forms. Documents should be recorded at the office below.
This Real Estate Mortgage and Promissory Note meets all recording requirements specific to Clay County.
Our Promise
The documents you receive here are guaranteed to meet or exceed the applicable Clay County recording format requirements. If there is a rejection caused by our formatting, we will correct the issue or refund your payment. This guarantee applies to document formatting only and does not extend to information entered by the user, the selection of the form, or the legal effect of the completed document.
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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April 21st, 2025
Easy to utilize database and instructions!
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February 26th, 2020
Great site makes this procedure easy to do,thanks
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November 3rd, 2025
Thank you for making these forms available at affordable prices and with lots of information.
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Mary G.
March 7th, 2021
Deeds.com was a fast and easy site to use the staff answered my questions online efficiently
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Noble Mikhail F.
October 2nd, 2020
The system is wonderful, and makes recording and searching simple, thanks a lot
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Rhonda H.
September 24th, 2020
Love the names on the example! thanks for the smiles!
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Eleanor W.
April 7th, 2019
I haven't taken the forms to our county clerk for recording yet so not sure they contain all needed information in the order needed but forms were easy to read, easy to save and with well documented instructions available. Thank you
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Georgiana I.
January 25th, 2020
The deed itself was easy. I did notice that although the website says that the deed would exempt the house from probate, the deed clearly states that it might not. I hope that "might " is the operative word here.
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Joseph K.
May 1st, 2020
I'm very impressed. We're a small nonprofit, and we usually walk our documents into our county offices for recording. So I was a little bit skeptical about how things would work if we did it electronically. But it was a smooth, quick, painless, and reasonably priced process. I expect that this will be our preferred method even after county offices re-open.
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Kathy B.
November 24th, 2020
Works easy enough and good directions on the form, however no help when I got locked out. Had to do a completely new account name and email address.
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Roy K.
February 15th, 2019
Just what we were looking for. Very easy to fill out. Thanks
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August 31st, 2022
Really a simple, quick, professional experience!
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March 28th, 2022
great response!! Thank you
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January 9th, 2019
Great service, convenient, fast and easy to use. Thumbs Up!!!!w
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Nellouise S.
April 10th, 2019
Documents are ok but I needed to reword some of the verbiage and it cannot be edited without paying a monthly or annual membership. otherwise it is a very nice site.
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