Rowan County Deed of Trust Form (North Carolina)
All Rowan County specific forms and documents listed below are included in your immediate download package:
Deed of Trust Form
Fill in the blank form formatted to comply with all recording and content requirements.
Included Rowan County compliant document last validated/updated 7/1/2025
Deed of Trust Guidelines
Line by line guide explaining every blank on the form.
Included Rowan County compliant document last validated/updated 6/30/2025
Completed Example of the Deed of Trust Document
Example of a properly completed form for reference.
Included Rowan County compliant document last validated/updated 6/10/2025
Promissory Note Form
Note that is secured by the Deed of Trust. Can be used for traditional installments or balloon payment.
Included Rowan County compliant document last validated/updated 7/16/2025
Promissory Note Guidelines
Line by line guide explaining every blank on the form.
Included Rowan County compliant document last validated/updated 6/5/2025
Completed Example of the Promissory Note Document
This NC Promissory Note is filled in and highlighted, showing how the guideline information, can be interpreted into the document.
Included Rowan County compliant document last validated/updated 1/14/2025
Subordination Agreements
Used to place priority on claim of debt. Included are 4 clauses for unique situations. If needed, add to Deed of Trust as an addendum or rider.
Included Rowan County compliant document last validated/updated 11/8/2024
Annual Accounting Statement
Mail to borrower for fiscal year reporting.
Included Rowan County compliant document last validated/updated 12/17/2024
The following North Carolina and Rowan County supplemental forms are included as a courtesy with your order:
When using these Deed of Trust forms, the subject real estate must be physically located in Rowan County. The executed documents should then be recorded in the following office:
Rowan County Register of Deeds
402 North Main St, Salisbury, North Carolina 28144
Hours: 8:00am-5:00pm M-F
Phone: (704) 216-8626
Local jurisdictions located in Rowan County include:
- China Grove
- Cleveland
- East Spencer
- Faith
- Gold Hill
- Granite Quarry
- Landis
- Mount Ulla
- Rockwell
- Salisbury
- Spencer
- Woodleaf
How long does it take to get my forms?
Forms are available immediately after submitting payment.
How do I get my forms, are they emailed?
Immediately after you submit payment, the Rowan 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 provided to you. If you encounter any issues accessing your forms, please reach out to our support team for assistance. Forms are NOT emailed to you.
What does "validated/updated" mean?
This indicates the most recent date when at least one of the following occurred:
- Updated: The document was updated or changed to remain compliant.
- Validated: The document was examined by an attorney or staff, or it was successfully recorded in Rowan County using our eRecording service.
Are these forms guaranteed to be recordable in Rowan County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Rowan County including margin requirements, content requirements, font and font size requirements.
Can the Deed of Trust 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 Rowan County that you need to transfer you would only need to order our forms once for all of your properties in Rowan County.
What are supplemental forms?
Often when a deed is recorded, additional documents are required by North Carolina or Rowan 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.
What type of files are the forms?
All of our Rowan County Deed of Trust 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.
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.
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.
Are there any recurring fees involved?
No. Nothing to cancel, no memberships, no recurring fees.
A Deed of Trust is commonly used in North Carolina to secure a loan. Foreclosure can be done non-judicially, saving time and expense. This process is called a Foreclosure by action. The procedure for power of sale foreclosure is contained in Article 2A in Chapter 45 of the North Carolina General Statutes.
There are three parties in this Deed of Trust:
1- The Grantor (Borrower)
2- Beneficiary (Lender) and a
3- Trustee (Neutral Third Party)
Basic Concept. The Trustor (Borrower) conveys property title to a Trustee (Neutral Party). A Trustee or beneficiary/Lender can take an action against any person for damages.
This form can be used by a party selling/financing their own house, rental, condominium or small office building. A Promissory Note and Deed of Trust combined with stringent default terms, can be beneficial to the Lender. The Lender can choose whether the borrower must use the property as their primary residence for the term of the Loan. This can be advantageous for a someone selling a house. Take for example; the borrower moves out and rents the home to someone who diminishes its value or in the case of a small commercial space the Lender wouldn't want the borrower living there because of a financial stress.
The Trustee allows the Grantor/Borrower to collect rents until there is a default. Upon the occurrence of any such event of default, the permission given to Grantor/Borrower to collect such rents, income, maintenance fees and other benefits from the property shall automatically terminate. This can be powerful tool for the Beneficiary/Lender.
The Beneficiary/Lender or Trustee shall have the right and license to go on and into the Subject Real Property to inspect it in order to determine whether the provisions of the Deed of Trust are being kept and performed. This is important because Grantor/Borrower shall take reasonable care of the Subject Real Property and shall maintain them in good repair and condition.
(North Carolina DOT Package includes form, guidelines, and completed example)
Our Promise
The documents you receive here will meet, or exceed, the Rowan 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 Rowan County Deed of Trust 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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July 22nd, 2025
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March 16th, 2023
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April 11th, 2024
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July 3rd, 2020
The forms and instructions were easy to follow and get complete. It was very nice to be able to just find them, pay for them, and download them so that they were printed just within a matter of 30 minutes. Thank you
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March 8th, 2019
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Andrew F.
August 18th, 2022
The process was terrific. Much better than hiring someone local to process deeds, as deeds.com got back to me right away with corrections before submitting.
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March 26th, 2022
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March 12th, 2024
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Morgan K.
August 24th, 2021
When I brought this deed to the county assessor, they were so impressed that I had done it correctly on my first try, and said they wished everyone would do such a good job on their paperwork.
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