Cumberland County Installment Contract for Deed Form

Cumberland County Installment Contract for Deed Form
Fill in the blank Installment Contract for Deed form formatted to comply with all New Jersey recording and content requirements.

Cumberland County Installment Contract for Deed Guide
Line by line guide explaining every blank on the Installment Contract for Deed form.

Cumberland County Completed Example of the Installment Contract for Deed Document
Example of a properly completed New Jersey Installment Contract for Deed document for reference.

Cumberland County Sellers Disclosure Form
Seller discloses known property conditions.

Cumberland County Lead Based Paint Disclosure Form
Use for property built after 1978

Cumberland County Annual Accounting Statement Form
Issued to buyer for fiscal year reporting of principal, interest, etc.
All 6 documents above included • One-time purchase • No recurring fees
Immediate Download • Secure Checkout
Additional New Jersey and Cumberland County documents included at no extra charge:
Where to Record Your Documents
Cumberland County Clerk
Bridgeton, New Jersey 08302
Hours: 8:30am - 4:00pm Monday thru Friday / Tuesday until 7:00pm
Phone: (856) 453-4860
Recording Tips for Cumberland County:
- Double-check legal descriptions match your existing deed
- Leave recording info boxes blank - the office fills these
- Avoid the last business day of the month when possible
Cities and Jurisdictions in Cumberland County
Properties in any of these areas use Cumberland County forms:
- Bridgeton
- Cedarville
- Deerfield Street
- Delmont
- Dividing Creek
- Dorchester
- Fairton
- Fortescue
- Greenwich
- Heislerville
- Leesburg
- Mauricetown
- Millville
- Newport
- Port Elizabeth
- Port Norris
- Rosenhayn
- Shiloh
- Vineland
Hours, fees, requirements, and more for Cumberland County
How do I get my forms?
Forms are available for immediate download after payment. The Cumberland 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 Cumberland County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Cumberland 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 Cumberland 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 Cumberland County?
Recording fees in Cumberland County vary. Contact the recorder's office at (856) 453-4860 for current fees.
Questions answered? Let's get started!
A "Contract for Deed" (also known as an installment land contract, land contract, or contract for sale) is a legal agreement where the buyer makes payments directly to the seller in exchange for the right to use the property. The buyer receives the deed and full ownership of the property only after all payments have been made.
Statutes and Legal Framework:
1. While New Jersey does not have specific statutes solely governing Contracts for Deed, they are generally governed by principles of contract law, real estate law, and consumer protection laws.
Key statutes include the New Jersey Consumer Fraud Act (N.J.S.A. 56:8-1 et seq.), which could apply to the contract if there is any fraud or deception involved.
2. Disclosure Requirements:
Sellers must provide accurate and complete disclosures regarding the property's condition, any liens, and any other material facts. Failing to do so may result in a violation of the Consumer Fraud Act.
If the contract is entered into without full disclosure or under deceptive terms, it may be considered voidable.
3. Recording the Contract:
While it is not always required to record a Contract for Deed, it is strongly advised. Recording the contract protects the buyer's interest in the property against future claims or liens against the seller.
4. Default and Foreclosure:
If the buyer defaults on the contract, the seller may initiate a foreclosure-like process. However, because this is a non-mortgage transaction, the process can vary, and the seller might be able to evict the buyer through summary eviction proceedings rather than formal foreclosure.
In some cases, New Jersey courts have treated Contract for Deed arrangements similarly to mortgages, requiring sellers to undergo judicial foreclosure to reclaim the property.
5. Right to Cure Default:
The contract should clearly state the buyer's rights if they default, including any grace period to cure the default before the seller can take action.
6. Interest Rates and Financing Terms:
The interest rate and financing terms must comply with New Jersey’s usury laws. If the interest rate exceeds the legal limit, the contract could be voided or reformed by a court.
Procedures for Using a Contract for Deed
1. Drafting the Contract:
The contract must include all essential terms: purchase price, payment schedule, interest rate, penalties for default, responsibilities for taxes and insurance, and the date when the deed will be transferred.
Legal counsel is often necessary to ensure that the contract complies with New Jersey law.
2. Execution and Recording:
Both parties must sign the contract, and it should be notarized. Recording the contract with the county clerk where the property is located is advisable.
3. Payment and Maintenance:
The buyer makes monthly installment payments to the seller, who retains legal title until the contract is fully paid.
The buyer takes on responsibilities such as property taxes, insurance, and maintenance.
Terms and uses
1. TITLE AND TITLE INSURANCE. Seller shall provide Buyer with a standard form owner’s policy of title insurance in the amount of the purchase price. The title policy to be issued shall contain no exceptions other than those provided in said standard form plus encumbrances or defects approved by Buyer as provided below.
2. DEED Of CONVEYANCE. Upon receipt of Buyer's payment in full of the balance of the purchase price, Seller shall furnish a General Warranty Deed, conveying to Buyer title to the property.
3. LATE CHARGE: Any above noted payment which is at least days past due, shall be subject to a late charge of $ And an additional $ per day until the payment is received. If any balloon payment is late, it shall be subject to a late fee of $ per day.
4. Uses include residential property, rental property up to 4 units, condominiums, and planned unit developments. Traditional installment payment with or without a balloon payment.
For use in New Jersey only.
Important: Your property must be located in Cumberland County to use these forms. Documents should be recorded at the office below.
This Installment Contract for Deed meets all recording requirements specific to Cumberland County.
Our Promise
The documents you receive here will meet, or exceed, the Cumberland 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 Cumberland County Installment Contract for Deed 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 )
Sheryl Kae Y.
September 23rd, 2021
Really good forms, no complaints.
We appreciate your business and value your feedback. Thank you. Have a wonderful day!
Saul N.
June 13th, 2023
Great and fast service. Would have been grate to have seen a little more detail or a pre-filled sample in the fields. Had a little confussion in some of the lines to fill out since the guide only explains a few of the lines not all of them. Otherwise, is really great to have this service with low cost. Thank you.
Thank you for taking the time to provide us with your feedback Saul, we appreciate you.
Neira S.
January 20th, 2019
No problem with Recorders Office using your document. It is now completed and recorded.
Thank you Neira, have a wonderful day!
Suzanne D.
January 7th, 2019
Information found, thank you. I own Ground Rent on property and needed to know name of property owner and address for mailing bill.
Thank you!
Robert P.
November 3rd, 2020
Overall, your website was straightforward and easy to navigate. I was able to accomplish what I needed to do very quickly. If needed again, I would certainly use and recommend others to use deeds.com.
We appreciate your business and value your feedback. Thank you. Have a wonderful day!
Jose G. C.
October 2nd, 2020
It was OK but unfortunately useless. The jurisdictions are now requesting that documents such as Notices of Commencement not only be recorded at their offices, but also certified. This last service is not provided by Deeds, or at least I could not find it in your website and did not receive a response when I asked if you did. Thus, we are going back to traditional means of recording/certifying
Thank you for your feedback Jose. We do hope that you find something more suitable to your needs elsewhere. Have a wonderful day.
Thomas M.
August 24th, 2021
Great Service. I had to record 13 deeds in various Oregon counties, with o previous experience, and the process was straightforward with excellent instruction. Thank you.
Thank you for your feedback. We really appreciate it. Have a great day!
Deborah M.
June 24th, 2021
Absolutely great. The staff is responsive and knowledgeable. The online interface is excellent. The total cost for finalizing the sale on our property (minus state filing fees) was $39. A wonderful experience.
Thank you for your feedback. We really appreciate it. Have a great day!
Paulette O.
March 24th, 2021
I love this! I wish there was one for a simple personal will.
Thank you!
MARILEE S.
June 24th, 2019
A very easy website....consumer friendly, which is what is so important to me. I will be using your service again. Thank you
Thank you!
Debora E.
August 19th, 2020
I was amazed! This company is so incredibly fast! They promised 10 minutes, it was actually less and I had the exact info I was needing! Definitely worth the cost!
We appreciate your business and value your feedback. Thank you. Have a wonderful day!
RUTH A.
November 8th, 2024
I truly appreciate the service that you have for the customers. This very convenient and easy to follow. Thank you very much for this service.
Thank you for your feedback. We really appreciate it. Have a great day!
Diyang W.
January 12th, 2025
Very Good Product. Provided a lot of good info to assist people to DIY various Deed
We are grateful for your engagement and feedback, which help us to serve you better. Thank you for being an integral part of our community.
Brian C.
April 1st, 2019
***** so easy thanks.
Thanks Brian, we appreciate your feedback.
John H.
August 1st, 2019
Great service
Thank you!