Harding County Contract for Deed Form

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

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

Harding County Completed Example of the Contract for Deed Document
Example of a properly completed New Mexico Contract for Deed document for reference.

Harding County Adverse Material Facts Disclosure Statement
Fill in the blank form formatted to comply with all New Mexico content requirements.

Harding County Estimated Property Tax Waiver Form
NM Stat § 47-13-4(F). A prospective buyer may waive the disclosure requirements of this section by signing a written document prior to the time the offer to purchase is to be made in which the buyer acknowledges that the required estimated amount of property tax levy is not readily available and waives disclosure of the estimated amount of property tax levy.

Harding County Lead Based Paint Disclosure Form
Applicable to residential property built before 1978.

Harding County Lead Based Paint Brochure
Brochure for buyers if applicable.
All 7 documents above included • One-time purchase • No recurring fees
Additional New Mexico and Harding County documents included at no extra charge:
Where to Record Your Documents
Harding County Clerk
Mosquero, New Mexico 87733
Hours: 8:00 to 4:00 M-F
Phone: (575) 673-2301
Recording Tips for Harding County:
- Bring your driver's license or state-issued photo ID
- Ensure all signatures are in blue or black ink
- Ask if they accept credit cards - many offices are cash/check only
- Recording fees may differ from what's posted online - verify current rates
- Recording early in the week helps ensure same-week processing
Cities and Jurisdictions in Harding County
Properties in any of these areas use Harding County forms:
- Mills
- Mosquero
- Roy
- Solano
How do I get my forms?
Forms are available for immediate download after payment. The Harding 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 Harding County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Harding 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 Harding 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 Harding County?
Recording fees in Harding County vary. Contact the recorder's office at (575) 673-2301 for current fees.
Have other questions? Contact our support team
In New Mexico, a Contract for Deed (also called a real estate contract, installment land contract, or owner-financing agreement) is a useful tool for property transactions where the buyer cannot or does not want to obtain conventional financing, and the seller agrees to finance the purchase over time. However, due to the risk to buyers, especially in low-income and rural areas, New Mexico has adopted specific legal protections—especially under SB 449 (2023), codified in NMSA 1978, Chapter 47, Article 13.
When a Contract for Deed Is Useful in New Mexico
-Buyer lacks access to traditional mortgage financing.
-Useful for buyers with poor credit or limited income.
-Sellers can attract more buyers by offering seller financing.
-Seller wants to retain legal title until full payment.
-Protects seller if buyer defaults.
-Legal title remains with the seller until the full contract amount is paid.
-Installment payments are agreeable to both parties.
-Can include structured payments over years.
Interest and terms are flexible between parties.
-Rural or undeveloped property.
-Banks may not lend on raw land or mobile homes without permanent foundation.
Why the Law Requires Certain Disclosures Before Accepting an Offer
Under New Mexico’s Real Estate Contract Act (SB 449, 2023), sellers must protect buyers from unexpected tax and condition issues, especially in installment contracts. Two required disclosures are:
1. Estimated Property Tax Levy (NMSA 1978, § 47-13-4)
“Prior to accepting an offer to purchase,” the seller or seller's broker shall: (1) request from the county assessor the estimated amount of property tax levy with respect to the property and shall specify the listed price as the value of the property to be used in the estimate.”
Purpose:
Protects buyers from sudden property tax increases after purchase.
Ensures buyers understand the future property tax liability based on the full sale price (not past assessments).
Prevents tax-related defaults that could lead to foreclosure.
2. Adverse Material Facts Disclosure Statement Under general real estate disclosure duties (aligned with NMREC rules and principles of good faith), sellers must disclose any known adverse material facts about the property.
What are “adverse material facts”?
Issues that significantly affect value or use of the property:
Structural damage
Unpermitted additions
Water damage or mold
Title problems or pending legal issues
Environmental hazards
Zoning violations
Easements or encroachments
Purpose:
-Prevents buyer deception or later claims of fraud or nondisclosure.
-Builds trust and compliance with NM real estate law.
-Required even more so when the seller is financing the transaction (i.e., they are acting almost like a lender).
Summary: Why These Steps Matter
Requirement Purpose ------------------------------Why It Matters
-Tax Levy Estimate-----To disclose expected annual tax cost based on sale price Protects buyers from unforeseen, unaffordable tax hikes
-Adverse Material Facts Disclosure----To inform the buyer of known serious defects/issues Prevents lawsuits for fraud, ensures buyer is fully informed.
Recording of the Contract (within 30 days) Required by SB 449-----Makes the buyer’s interest official and enforceable
Common Contract for Deed procedures.
Before accepting an offer, request the tax estimate from the county assessor (most counties have a form or online system). Unless buyer agree to waiver, see waiver form included.
-Fill out and provide the Adverse Material Facts Disclosure Statement (a form used in NM real estate practice).
-Draft the Contract for Deed with clear terms.
-Record the contract with the County Clerk within 30 days of execution.
Important: Your property must be located in Harding County to use these forms. Documents should be recorded at the office below.
This Contract for Deed meets all recording requirements specific to Harding County.
Our Promise
The documents you receive here will meet, or exceed, the Harding 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 Harding County 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.
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