New Mexico Forms

Rio Arriba County Contract for Deed Form

Rio Arriba County Contract for Deed Form

Rio Arriba County Contract for Deed Form

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

Document Last Validated 7/10/2025
Rio Arriba County Contract for Deed Guide

Rio Arriba County Contract for Deed Guide

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

Document Last Validated 7/10/2025
Rio Arriba County Completed Example of the Contract for Deed Document

Rio Arriba County Completed Example of the Contract for Deed Document

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

Document Last Validated 7/10/2025
Rio Arriba County Adverse Material Facts Disclosure Statement

Rio Arriba County Adverse Material Facts Disclosure Statement

Fill in the blank form formatted to comply with all New Mexico content requirements.

Document Last Validated 8/7/2025
Rio Arriba County Estimated Property Tax Waiver Form

Rio Arriba 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.

Document Last Validated 7/10/2025
Rio Arriba County Lead Based Paint Disclosure Form

Rio Arriba County Lead Based Paint Disclosure Form

Applicable to residential property built before 1978.

Document Last Validated 7/10/2025
Rio Arriba County Lead Based Paint Brochure

Rio Arriba County Lead Based Paint Brochure

Brochure for buyers if applicable.

Document Last Validated 7/10/2025

All 7 documents above included • One-time purchase • No recurring fees

Immediate Download • Secure Checkout

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

Where to Record Your Documents

Rio Arriba County Clerk
Address:
Courthouse - 7 Main St / PO Box 158
Tierra Amarilla, New Mexico 87575

Hours: 8:00 to 5:00 M-F

Phone: (505) 588-7724

Espanola Office
Address:
County Annex - 1122 Industrial Park Rd
Espanola, New Mexico 87532

Hours: 8:00 to 4:30 M-F

Phone: (505) 753-1780

Recording Tips for Rio Arriba County:
  • White-out or correction fluid may cause rejection
  • Double-check legal descriptions match your existing deed
  • Some documents require witnesses in addition to notarization

Cities and Jurisdictions in Rio Arriba County

Properties in any of these areas use Rio Arriba County forms:

  • Abiquiu
  • Alcalde
  • Canjilon
  • Canones
  • Cebolla
  • Chama
  • Chimayo
  • Cordova
  • Coyote
  • Dixon
  • Dulce
  • El Rito
  • Embudo
  • Espanola
  • Gallina
  • Hernandez
  • La Madera
  • Lindrith
  • Los Ojos
  • Medanales
  • Petaca
  • San Juan Pueblo
  • Tierra Amarilla
  • Truchas
  • Vallecitos
  • Velarde
  • Youngsville

View Complete Recorder Office Guide

Hours, fees, requirements, and more for Rio Arriba County

How do I get my forms?

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

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

Recording fees in Rio Arriba County vary. Contact the recorder's office at (505) 588-7724 for current fees.

Questions answered? Let's get started!

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

This Contract for Deed meets all recording requirements specific to Rio Arriba County.

Our Promise

The documents you receive here will meet, or exceed, the Rio Arriba 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

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February 3rd, 2019

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July 30th, 2019

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July 7th, 2020

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December 26th, 2018

Excellent - no reservations. I used them on a Sunday and had my info on Monday. Not only did they execute the order flawlessly, the fixed my screw up* immediately. *I hit refresh before the "secured" page transmitted, so I created (2) two orders of the same item.

Reply from Staff

Thanks for the review Paul, glad you were happy with the service and staff. Our staff is pretty good at catching the few duplicate orders that get through.

Jay T.

August 6th, 2020

I filled out the deed, had it notarized, and recorded. No problems. I put this off for so long. Once I had the form it was recorded in one day.

Reply from Staff

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April 30th, 2021

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Reply from Staff

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January 7th, 2019

Glad to have all of the helpful extra information, even though they don't answer all questions for all situations. So, I accessed public records and asked questions at the auditor's office. Also, on my Mac computer, filling out the actual deed form is a challenge because the screen jumps to the last page everytime I try to type a few letters or hit the return key, so I'm rollling back up to the first 2 pages after most keystrokes. A bit annoying. Overall, happy to have these form options are available! There is really no need to wait and pay for an attorney when all the information needed is available via public records. Fill in the blanks!

Reply from Staff

Thanks so much for the feedback Teri. There are known issues between Adobe and Mac, we try to work around them as much as possible. Have a wonderful day!

Evan W.

February 2nd, 2021

Quick service. Thank you

Reply from Staff

Thank you!