Harmon County Memorandum of Contract for Deed Form
Last validated July 9, 2026 by our Forms Development Team
Harmon County Memorandum of Contract for Deed Form
Fill in the blank Memorandum of Contract for Deed form formatted to comply with all Oklahoma recording and content requirements.

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

Harmon County Completed Example of the Memorandum of Contract for Deed Document
Example of a properly completed Oklahoma Memorandum of Contract for Deed document for reference.
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Additional Oklahoma and Harmon County documents included at no extra charge:
Where to Record Your Documents
Harmon County Clerk
Hollis, Oklahoma 73550
Hours: 8:00 to 4:00 Monday through Friday
Phone: (580) 688-3658
Recording Tips for Harmon County:
- Avoid the last business day of the month when possible
- Check margin requirements - usually 1-2 inches at top
- Leave recording info boxes blank - the office fills these
- Recording fees may differ from what's posted online - verify current rates
- Ask about accepted payment methods when you call ahead
Cities and Jurisdictions in Harmon County
Properties in any of these areas use Harmon County forms:
- Gould
- Hollis
- Vinson
Hours, fees, requirements, and more for Harmon County
How do I get my forms?
Forms are available for immediate download after payment. The Harmon 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 Harmon County?
Yes. Our form blanks are guaranteed to meet or exceed the applicable formatting requirements used for recording in Harmon County, including margin requirements, font requirements, and other layout standards. This guarantee applies to formatting, not to the legal sufficiency of information entered by the user or the suitability of a form for a particular transaction.
Can I reuse these forms?
Yes. You can reuse the forms for your personal use. For example, if you have multiple properties in Harmon 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 Harmon County?
Recording fees in Harmon County vary. Contact the recorder's office at (580) 688-3658 for current fees.
Questions answered? Let's get started!
A Memorandum of Contract for Deed is used in Oklahoma (and many other states) as a public notice of a buyer’s interest in property without putting the full contract in the public record.
Here’s the breakdown:
1. Purpose – “Notice Without Full Disclosure”
A Contract for Deed (a.k.a. land contract or installment sale) is usually many pages long, full of payment terms, interest rates, default clauses, etc.
If you recorded the full contract, all those details would become public record.
A memorandum is a short, 1–2 page document summarizing key facts needed to give constructive notice in the county records — without revealing the private financial terms.
2. What it typically contains
A Memorandum of Contract for Deed usually states:
The names of seller and buyer
Date of the contract
Legal description of the property
Statement that a Contract for Deed exists
The principal amount secured (for mortgage tax purposes)
Signatures and notary acknowledgment
3. Why it’s used instead of the full contract
A. Privacy
Keeps sensitive details — like interest rates, payment schedules, or personal info — out of public records.
B. Recording efficiency
County clerks charge per page. A 2-page memorandum costs less to record than a 15-page contract.
C. Legal protection
Once recorded, the memorandum gives constructive notice to the world of the buyer’s equitable interest.
This protects the buyer from later claims by third parties, like new lenders or purchasers from the seller, because they are deemed to have notice of the buyer’s rights.
D. Statutory compliance In Oklahoma, the Real Estate Contract Act requires certain installment sales (including many Contracts for Deed) to be recorded within 30 days of execution.
Recording a memorandum satisfies this requirement if it contains the necessary info.
1. Oklahoma treats many contracts like mortgages for tax purposes
Under 68 O.S. § 1901 et seq., if a Contract for Deed, Lease-Purchase, or similar agreement gives the buyer equitable title and secures payment over time, it is treated like a mortgage when recorded.
• That means the County Clerk must collect mortgage tax based on the principal amount financed before recording.
• Even if you’re only recording a memorandum (not the full contract), the tax still applies.
2. The clerk can’t process without the amount financed
A memorandum usually says:
“…memorandum of that certain Contract for Deed dated ___, between Seller and Buyer…”
If it doesn’t list the principal amount secured, the clerk has no basis to calculate the tax.
• Without that number, they’ll reject the filing or require a Mortgage Tax Information Statement to be attached.
3. Avoids overpayment or underpayment
If the amount is missing, someone might mistakenly use the purchase price instead of the loan amount.
• Overpayment = wasted money
• Underpayment = filing isn’t perfected until the tax is corrected, which can weaken the notice in the public record.
Important: Your property must be located in Harmon County to use these forms. Documents should be recorded at the office below.
This Memorandum of Contract for Deed meets all recording requirements specific to Harmon County.
Our Promise
The documents you receive here are guaranteed to meet or exceed the applicable Harmon County recording format requirements. If there is a rejection caused by our formatting, we will correct the issue or refund your payment. This guarantee applies to document formatting only and does not extend to information entered by the user, the selection of the form, or the legal effect of the completed document.
Save Time and Money
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