Essex County Installment Contract for Deed Form (New Jersey)

What You Get
  • Essex County-Specific Documents
  • Fillable PDF Format
  • Unlimited Personal Use
  • Free Bonus Documents
How It Works
  1. 1Order & Download
  2. 2Fill Out on Computer
  3. 3Print & Sign
  4. 4Record at County Office
Where to Record

Essex County Register

Hall of Records - 465 Martin Luther King Jr. Blvd, Room 130
Newark, New Jersey

View full details →

Essex County Installment Contract for Deed Form

Essex 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.

Validated 2/20/2025 Preview Form
Essex County Installment Contract for Deed Guide

Essex County Installment Contract for Deed Guide

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

Validated 5/26/2025 Preview Form
Essex County Completed Example of the Installment Contract for Deed Document

Essex County Completed Example of the Installment Contract for Deed Document

Example of a properly completed New Jersey Installment Contract for Deed document for reference.

Validated 7/4/2025 Preview Form
Essex County Sellers Disclosure Form

Essex County Sellers Disclosure Form

Seller discloses known property conditions.

Validated 7/25/2025 Preview Form
Essex County Lead Based Paint Disclosure Form

Essex County Lead Based Paint Disclosure Form

Use for property built after 1978

Validated 7/9/2025 Preview Form
Essex County Annual Accounting Statement Form

Essex County Annual Accounting Statement Form

Issued to buyer for fiscal year reporting of principal, interest, etc.

Validated 6/30/2025 Preview Form

Important: Your property must be located in Essex County to use these forms. Documents should be recorded at the office below.

Where to Record Your Documents

Essex County Register

Address:
Hall of Records - 465 Martin Luther King Jr. Blvd, Room 130
Newark, New Jersey 07102

Hours: 8:30am - 4:30pm M-F

Phone: (973) 621-4960

Recording Tips for Essex County:
  • Verify all names are spelled correctly before recording
  • Documents must be on 8.5 x 11 inch white paper
  • Leave recording info boxes blank - the office fills these
  • Make copies of your documents before recording - keep originals safe
  • Bring extra funds - fees can vary by document type and page count

Cities and Jurisdictions in Essex County

Properties in any of these areas use Essex County forms:

  • Belleville
  • Bloomfield
  • Caldwell
  • Cedar Grove
  • East Orange
  • Essex Fells
  • Fairfield
  • Glen Ridge
  • Irvington
  • Livingston
  • Maplewood
  • Millburn
  • Montclair
  • Newark
  • Nutley
  • Orange
  • Roseland
  • Short Hills
  • South Orange
  • Verona
  • West Orange

How do I get my forms?

Forms are available for immediate download after payment. The Essex 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 Essex County?

Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Essex 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 Essex 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 Essex County?

Recording fees in Essex County vary. Contact the recorder's office at (973) 621-4960 for current fees.

Have other questions? Contact our support team

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 Essex County to use these forms. Documents should be recorded at the office below.

This Installment Contract for Deed meets all recording requirements specific to Essex County.

Our Promise

The documents you receive here will meet, or exceed, the Essex 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 Essex 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 - ( 4569 Reviews )

Amanda S.

April 3rd, 2019

Thank you! My husband and I went in the get notary stamps for a Special Warranty Deed and a Post Nuptial Agreement. The representative was very knowledgeable and thorough with the notary process. She made sure we read and understood all documents that we were signing and they required us to recite in sworn statements that everything there was true and understood! I will be using the notary service again at Bank of America! The representative was very respectful and had a nice smile the entire time to make our visit great!

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December 1st, 2019

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April 28th, 2023

I purchased the Affidavit of Surviving Joint Tenant document and found the whole package of documents to be useful and practical. Successfully recorded!!! While the fillable PDF files are good enough, I personally prefer a Word document as it is easier to modify font or spacing.

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September 13th, 2019

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January 21st, 2025

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July 16th, 2022

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November 8th, 2019

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April 15th, 2020

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