Clay County Mortgage Security Agreement and Promissory Note Form

Last validated June 26, 2026 by our Forms Development Team

Clay County Mortgage Form

Clay County Mortgage Form

Fill in the blank form formatted to comply with all recording and content requirements.

Document Last Validated 6/17/2026
Clay County Mortgage Guidelines

Clay County Mortgage Guidelines

Line by line guide explaining every blank on the form.

Document Last Validated 6/11/2026
Clay County Completed Example of the Mortgage Document

Clay County Completed Example of the Mortgage Document

Example of a properly completed form for reference.

Document Last Validated 6/15/2026
Clay County Promissory Note Form

Clay County Promissory Note Form

Note that is secured by the Mortgage Agreement.

Document Last Validated 6/12/2026
Clay County Promissory Note Guidelines

Clay County Promissory Note Guidelines

Line by line guide explaining every blank on the form.

Document Last Validated 6/26/2026
Clay County Completed Example of the Promissory Note Document

Clay County Completed Example of the Promissory Note Document

Example of a properly completed form for reference.

Document Last Validated 6/22/2026
Clay County Annual Accounting Statement Form

Clay County Annual Accounting Statement Form

Mail to borrower for fiscal year reporting.

Document Last Validated 4/10/2026

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

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Additional South Dakota and Clay County documents included at no extra charge:

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

Where to Record Your Documents

Clay County Register of Deeds

Address:
211 W Main St, Suite 202
Vermillion, South Dakota 57069

Hours: 8:00 to 5:00 M-F / sometimes closed 12:00 to 1:00

Phone: (605) 677-7130

Recording Tips for Clay County:
  • Recorded documents become public record - avoid including SSNs
  • Recording fees may differ from what's posted online - verify current rates
  • Multi-page documents may require additional fees per page

Cities and Jurisdictions in Clay County

Properties in any of these areas use Clay County forms:

  • Burbank
  • Irene
  • Vermillion
  • Wakonda

View Complete Recorder Office Guide

Hours, fees, requirements, and more for Clay County

How do I get my forms?

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

Yes. Our form blanks are guaranteed to meet or exceed the applicable formatting requirements used for recording in Clay 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 Clay 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 Clay County?

Recording fees in Clay County vary. Contact the recorder's office at (605) 677-7130 for current fees.

Questions answered? Let's get started!

This is a recordable mortgage that serves (as notice to all subsequent purchasers and encumbrancers.) (44-8-10) Included is a Power of Sale clause, considered more favorable to lenders because it uses a non-judicial foreclosure, saving time and expense. [In case of default in the payment of said principal sum of money or any part thereof, or interest thereon at the time or times above specified for payment thereof, or in case of nonpayment of any taxes, assessments, or insurance as aforesaid, or of breach of any covenant or agreement herein contained, then and in either case, the whole, principal and interest, of said note -- shall at the option of the holder thereof, immediately become due and payable, and this mortgage may be foreclosed by action, or by advertisement as provided by statute or the rules of practice relating thereto, and this paragraph shall be deemed as authorizing and constituting a power of sale as mentioned in said statutes or rules, and any amendatory thereof.] [44-8-3]

This mortgage contains a (due-on-sale clause) which (is a provision of a real estate mortgage which requires that the note secured by the mortgage be paid at the time the property is transferred and no assumption of the original note is permitted.) (44-8-27). This is done because [No lender may enforce a due-on-sale clause unless the real estate mortgage includes such clause.] [44-8-28]

44-8-21. Mortgage securing note for purchase price of real estate--No negotiability--Enforcement of liability--Endorsement of note. In all cases where a note given by the purchaser and grantee of real estate to the vendor and grantor thereof to secure payment of all or any part of the purchase price is secured by a mortgage on such real estate, such note shall bear an endorsement upon its face to the effect that it is given for such purpose, and thereafter the same shall not be negotiable, nor shall any liability of any kind be enforced upon it either by action at law, or by set-off, or counterclaim, or otherwise, excepting by foreclosure of the mortgage. The rights of any party to said note, or of any assignee, or purchaser thereof, shall not be affected by the absence of such endorsement but shall be the same as though such note had been properly endorsed. Nothing herein contained shall apply to such note given prior to July 1, 1933.

44-8-22. Rights of payee of note given in payment of purchase price--Deficiency judgment prohibition inapplicable unless note secured by real estate mortgage.

Nothing contained in 44-8-20 or 44-8-21 shall affect the rights of a payee or other owner of a note given in payment of all or part of the purchase price of real estate unless such note is secured by a real estate mortgage.

A mortgage and promissory note secured, including stringent default terms can be beneficial to the lender. Use these forms for residential, commercial, rental property, condominiums, vacant land and planned unit developments.

(South Dakota Mortgage Package includes forms, guidelines, and completed examples) For use in South Dakota only.

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

This Mortgage Security Agreement and Promissory Note meets all recording requirements specific to Clay County.

Our Promise

The documents you receive here are guaranteed to meet or exceed the applicable Clay 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

Get your Clay County Mortgage Security Agreement and Promissory Note 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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