Clay County Mortgage and Promissory Note Forms (Kentucky)

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Form Package

Mortgage and Promissory Note

State

Kentucky

Area

Clay County

Price

$27.97

Delivery

Immediate Download

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More info on getting a copy of your existing deed and eRecording.

Included Forms

All Clay County specific forms and documents listed below are included in your immediate download package:

Mortgage Form

Mortgage Form

Fill in the blank form formatted to comply with all recording and content requirements.
Included document last reviewed/updated 3/28/2024

Mortgage Guidelines

Mortgage Guidelines

Line by line guide explaining every blank on the form.
Included document last reviewed/updated 4/18/2024

Completed Example of the Mortgage Form

Completed Example of the Mortgage Form

Example of a properly completed form for reference.
Included document last reviewed/updated 3/26/2024

Promissory Note Form

Promissory Note Form

Note that is secured by the Mortgage Deed. Can be used for traditional installments or balloon payment.
Included document last reviewed/updated 1/16/2024

Promissory Note Guidelines

Promissory Note Guidelines

Line by line guide explaining every blank on the form.
Included document last reviewed/updated 12/27/2023

Completed Example of the Promissory Note

Completed Example of the Promissory Note

This Kentucky Promissory Note is filled in and highlighted, showing how the guideline information, can be interpreted into the document.
Included document last reviewed/updated 3/11/2024

Annual Accounting Statement Form

Annual Accounting Statement Form

Use for fiscal year reporting.
Included document last reviewed/updated 1/19/2024

Frequently Asked Questions:

How long does it take to get my forms?

Forms are available immediately after submitting payment.

What are supplemental forms?

Often when a deed is recorded, additional documents are required by Kentucky 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.

How do I get my forms, are they emailed?

Forms are NOT emailed to you. 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 sent to you. If you encounter any issues accessing your forms, please reach out to our support team for assistance.

What type of files are the forms?

All of our Clay County 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.

Can the 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.

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.

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.

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.

Are there any recurring fees involved?

No. Nothing to cancel, no memberships, no recurring fees.

Areas Covered by These Mortgage and Promissory Note Forms:

  • Clay County

Including:

  • Big Creek
  • Eriline
  • Fall Rock
  • Garrard
  • Goose Rock
  • Hima
  • Manchester
  • Oneida
  • Sextons Creek

What is the Kentucky Mortgage and Promissory Note

Kentucky Mortgage and Promissory Note

This is a Kentucky Mortgage given to secure a debt on real property. This form can be used to finance a house, rental property (up to 4 units) or Condominium. This form secures repayment of a debt, with interest. evidenced by a Promissory Note. A Mortgage with strong default clauses can be beneficial when selling and/or financing a property.

Mortgage Form that meets the following requirements.
MORTGAGE - This document must have the following: first party and their mailing address (KRS 382.335 & KRS 382.430), second party and their mailing address (KRS 382.110), amount of the mortgage (KRS 382.330), maturity date (KRS 382.330), legal description of the property (Common Law and OAG 81.100), preparation statement (KRS 382.335), and a return mail address (KRS 382.335 & KRS 382.240). The document must be signed by the mortgagor and notarized.

KRS 382.335
Provides that virtually all documents filed in land records contain the author's name, address and signature.

382.430 Instrument constituting lien to name person liable for taxes thereon.
(1) No mortgage, conveyance, or other instrument or writing constituting a lien or other security for any note or other evidence of indebtedness shall be received for record by any county clerk unless such mortgage, conveyance, or other writing gives the address of the person or the address of the principal place of business of the corporation owning or holding the note or other evidence of indebtedness, or liable for the payment of taxes thereon.
(2) Should there be an assignment of such note or other evidence of indebtedness, of record in the clerk's office, the assignment shall state the address of the assignee. Unless any assignment is made of record, the original holder or owner shall be liable for taxes as though no assignment had been made.
(3) For the purposes of this chapter, a mortgage that has been recorded with any county clerk shall not be deemed invalid or ineffective as constructive notice for failure to include the county of residence in the mortgagee's address.

382.110 Recording of deeds and mortgages -- Place of recording -- Use of certified copies of original records -- Contents of deed.
(1) All deeds, mortgages and other instruments required by law to be recorded to be effectual against purchasers without notice, or creditors, shall be recorded in the county clerk's office of the county in which the property conveyed, or the greater part thereof, is located.
(2) No county clerk or deputy county clerk shall admit to record any deed of conveyance of any interest in real property equal to or greater than a life estate, unless the deed plainly specifies and refers to the next immediate source from which the grantor derived title to the property or the interest conveyed therein.
(3) An authentic photocopy of any original record may be certified, as a true, complete, unaltered copy of the original record on file by the official public custodian of the record. A certified copy of a document certified by the official public custodian of that document may be submitted for filing in any other filing officer's jurisdiction as though it were the original record. However, no county clerk or deputy county clerk shall accept for filing any original document or certified copy of any document unless the original document and its certified copy conforms to all statutory requirements for filing the document under KRS Chapter 382. The provisions of this subsection shall apply only to a record generated and filed in Kentucky, and only if the certified copy thereof is to be utilized in Kentucky. If the record is a foreign record or a Kentucky record to be filed or utilized in a foreign jurisdiction, then this subsection shall not apply and applicable federal, Kentucky, or foreign law shall apply.
(4) If the source of title is a deed or other recorded writing, the deed offered for record shall refer to the former deed or writing, and give the office, book and page where recorded, and the date thereof. If the property or interest therein is obtained by inheritance or in any other way than by recorded instrument of writing, the deed offered for record shall state clearly and accurately how and from whom the title thereto was obtained by the grantor.
(5) If the title to the property or interest conveyed is obtained from two (2) or more sources, the deed offered for record shall plainly specify and refer to each of the sources in the manner provided in subsections (2) and (4), and shall show which part of the property, or interest therein, was obtained from each of the sources.
(6) No grantor shall lodge for record, and no county clerk or deputy shall receive and permit to be lodged for record, any deed that does not comply with the provisions of this section.
(7) No clerk or deputy clerk shall be liable to the fine imposed by subsection (1) of KRS 382.990 because of any erroneous or false references in any such deed, nor because of the omission of a reference required by law where it does not appear on the face of such deed that the title to the property or interest conveyed was obtained from more than one (1) source.
(8) This section does not apply to deeds made by any court commissioner, sheriff or by any officer of court in pursuance of his duty as such officer, nor to any deed or
instrument made and acknowledged before March 20, 1928. No deed shall be invalid because it is lodged contrary to the provisions of this section.

382.330 Instrument not to be recorded unless date of maturity shown -- Exception.
No county clerk shall record a deed or deed of trust or mortgage covering real property by which the payment of any indebtedness is secured unless the deed or deed of trust or mortgage states the date and the maturity of the obligations thereby secured which have been already issued or which are to be issued forthwith. In the case of obligations due on demand, the requirement of stating the maturity thereof shall be satisfied by stating that such obligations are "due on demand."

382.335 Certain information to be included in instruments in order for them to be recorded.
(1) No county clerk shall receive or permit the recording of any instrument by which the title to real estate or personal property, or any interest therein or lien thereon, is conveyed, granted, encumbered, assigned, or otherwise disposed of; nor receive any instrument or permit any instrument, provided by law, to be recorded as evidence of title to real estate, unless the instrument has endorsed on it, a printed, typewritten, or stamped statement showing the name and address of the individual who prepared the instrument, and the statement is signed by the individual. The person who prepared the instrument may execute his or her signature by affixing a facsimile of his or her signature on the instrument. This subsection shall not apply to any instrument executed or acknowledged prior to July 1, 1962.
(2) No county clerk shall receive or permit the recording of any instrument by which the title to real estate or any interest therein is conveyed, granted, assigned, or otherwise disposed of unless the instrument contains the mailing address of the grantee or assignee. This subsection shall not apply to any instrument executed or acknowledged prior to July 1, 1970.
(3) This section shall not apply to wills or to statutory liens in favor of the Commonwealth.
(4) No county clerk shall receive, or permit the recording of, any instrument by which real estate, or any interest therein, is conveyed, granted, assigned, transferred, or otherwise disposed of unless the instrument complies with the official indexing system of the county. The indexing system shall have been in place for at least twenty-four (24) months prior to July 15, 1994 or shall be implemented for the purpose of allowing computerized searching for the instruments of record of the county clerk. If a county clerk requires a parcel identification number on an instrument before recording, the clerk shall provide a computer terminal, at no charge to the public, for use in finding the parcel identification number. The county clerk may make reasonable rules about the use of the computer terminal, requests for a parcel identification number, or both.
(5) The receipt for record and recording of any instrument by the county clerk without compliance with the provisions of this section shall not prevent the record of filing of the instrument from becoming notice as otherwise provided by law, nor impair the admissibility of the record as evidence.

382.240 Delivery of recorded instruments -- Destruction of unclaimed instruments.
Each instrument that is recorded shall be delivered to the party entitled thereto. The county clerk shall require prepayment of postage for delivery of said instruments at the time they are left for record in his office. If the county clerk is unable to locate the parties entitled thereto, he shall retain the instruments for at least two (2) years. The clerk may then destroy the instruments provided that he shall first make the following announcement by public notice in the newspaper of the largest circulation in the county: "Legal instruments which have been filed for record in the (name of county) county clerk's office and which have been in the custody of the clerk for over two (2) years must be claimed by the persons entitled thereto within thirty (30) days, or they shall be destroyed." The date of the notice and the name of the clerk shall be appended to the notice. Thirty (30) days after the appearance of the public notice, the county clerk may destroy the instruments.


KENTUCKY PROMISSORY NOTE SECURED BY MORTGAGE

Promissory Note guided by Kentucky Law, includes the option of accepting installment loan payments or a balloon payment, Balloon payments are often used to cash out when selling and financing a property. Example: 5 years of payments, followed by a balloon payment of $$$. Late payments and default rates are charged to protect Lender(s). The Borrower in this note has the option of paying the loan off early, with no penalty.

(Kentucky Mortgage Package includes forms, guidelines, and completed examples)

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 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.

Reviews

4.8 out of 5 (4316 Reviews)

Gina G.

April 17th, 2024

This service is fantastic! Took a few tries to scan the document correctly, but their patience and quick turn around made this a far better experience than going to the County myself.

Reply from Staff

We are delighted to have been of service. Thank you for the positive review!

Michael M.

April 17th, 2024

Great service that satisfied all my needs. Great prices too.

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Crystal P.

April 16th, 2024

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Richard W.

March 25th, 2019

Very nice web site with available forms. Being out of state we appreciated instruction sheet details.
Rick and Jean Weber, Chicago

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George R.

September 29th, 2021

Your website worked but I am waiting for answers for two questions.

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Pamela J.

October 10th, 2021

Thank you the service was prompt and efficient.

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Thank you!

Elijah H.

December 24th, 2018

Deeds.com worked very well for me. Very Simple packet. And my County uses the same website

Reply from Staff

Thanks for the kinds words Elijah, we really appreciate it.

Tracey M.

August 9th, 2022

Using Deeds.com was unbelievably quick and easy to file a deed restriction with our local county office. From uploading the initial file to deeds.com, to having a fully recorded document was right on one hour - and all from the comfort of my home.

I found your service was easy to use and your staff were very quick in responding to my filing. I will definitely use and recommend deeds.com in the future.

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Kim C.

October 5th, 2020

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ALFRED B.

September 2nd, 2020

I was counting on deeds.com to help me with a closing I was working on. I stumbled with the instructions but when I recovered there were no problems. The instructions were helpful and the deeds etc. were just what I needed. I give deeds five stars. I am 76 years old and when the application asks for the user's name I always think they want my name. WRONG. I am trying to learn computer speak.

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Linda L.

July 14th, 2019

Excellent service. Very quick response.

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April 2nd, 2019

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Janet M.

December 17th, 2020

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Susan S.

July 28th, 2020

The actual transfer of deed form seems to be the only one not fillable in Adobe. Seems odd.

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Erika H.

December 14th, 2018

The service was fast and efficient. So glad I stumbled upon this website!

Reply from Staff

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