Lucas County Real Estate Mortgage and Promissory Note Form
Last validated September 2, 2026 by our Forms Development Team
Lucas County Real Estate Mortgage Form
Fill in the blank form formatted to comply with all recording and content requirements.
Lucas County Real Estate Mortgage Guidelines
Line by line guide explaining every blank on the form.
Lucas County Completed Example of a Real Estate Mortgage Document
Example of a properly completed form for reference.
Lucas County Promissory Note Form
Note that is secured by the Mortgage document.
Lucas County Promissory Note Guidelines
Line by line guide explaining every blank on the form.
Lucas County Completed Example of the Promissory Note Document
Example of a properly completed form for reference.
Lucas County Annual Accounting Statement Form
Issue to borrower(s) for fiscal year reporting.
Lucas 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 Lucas County documents included at no extra charge:
Where to Record Your Documents
Lucas County Recorder
Chariton, Iowa 50049
Hours: 8:00 to 4:00 Monday through Friday
Phone: (641) 774-2413
Recording Tips for Lucas County:
- Ask if they accept credit cards - many offices are cash/check only
- Check margin requirements - usually 1-2 inches at top
- Avoid the last business day of the month when possible
Cities and Jurisdictions in Lucas County
Properties in any of these areas use Lucas County forms:
- Chariton
- Derby
- Lucas
- Russell
- Williamson
Hours, fees, requirements, and more for Lucas County
How do I get my forms?
Forms are available for immediate download after payment. The Lucas 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 Lucas County?
Yes. Our form blanks are guaranteed to meet or exceed the applicable formatting requirements used for recording in Lucas 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 Lucas 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 Lucas County?
Recording fees in Lucas County vary. Contact the recorder's office at (641) 774-2413 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 Lucas 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 Lucas County.
Our Promise
The documents you receive here are guaranteed to meet or exceed the applicable Lucas 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 Lucas 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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July 23rd, 2020
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January 29th, 2021
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February 2nd, 2026
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February 9th, 2021
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May 6th, 2020
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January 24th, 2020
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August 30th, 2022
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November 8th, 2020
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September 20th, 2019
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May 2nd, 2019
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Michael R.
August 25th, 2025
A suggestion: Include instructions on how to add your spouse to the deed, rather than transferring completely to a third party
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October 14th, 2019
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June 3rd, 2026
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April 14th, 2022
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September 25th, 2020
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