Essex County Discharge of Mortgage (MERS) Form
Last validated July 18, 2026 by our Forms Development Team
Essex County Discharge of Mortgage (MERS) Form
Fill in the blank Discharge of Mortgage (MERS) form formatted to comply with all Vermont recording and content requirements.
Essex County Discharge of Mortgage (MERS) Guide
Line by line guide explaining every blank on the Discharge of Mortgage (MERS) form.
Essex County Completed Example of the Discharge of Mortgage (MERS) Document
Example of a properly completed Vermont Discharge of Mortgage (MERS) document for reference.
All 3 documents above included • One-time purchase • No recurring fees
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Additional Vermont and Essex County documents included at no extra charge:
Where to Record Your Documents
Unified Towns & Gores Office
Island Pond, Vermont 05846
Hours: M 8:00 to 4:00 & Tu - F 8:00 to 3:00
Phone: (802) 723-5900
Town Clerk of Bloomfield
North Stratford, New Hampshire 03590
Hours: Tu & Th 9:00 - 3:00 and by appointment
Phone: (802) 962-5191
Town Clerk of Brighton
Brighton (Island Pond), Vermont 05846
Hours: M-F 8:00 - 3:30
Phone: (802) 723-4405
Town Clerk of Brunswick
Brunswick, Vermont 05905
Hours: M-F by appt (call first) & Th 4:00 - 6:00
Phone: (802) 962-5514
Town Clerk of Canaan
Canaan, Vermont 05903
Hours: M - F 9:00 to 3:00
Phone: (802) 266-3370
Town Clerk of Concord
Concord, Vermont 05824
Hours: M, Th, F 9:00 to 3:00 & Tu 12:00 to 6:00
Phone: (802) 695-2220
Town Clerk of East Haven
East Haven, Vermont 05837
Hours: Tu 1:00 to 6:00 & Th 8:00 to 1:00 and by appt
Phone: (802) 467-3772
Town Clerk of Granby
Granby, Vermont 05840
Hours: by appointment
Phone: (802) 328-3611
Town Clerk of Guildhall
Guildhall, Vermont 05905
Hours: Tu 9:00 - 3:00 & Th. 12:00 - 6:00
Phone: (802) 676-3797
Town Clerk of Lemington
Lemington, Vermont 05903
Hours: Wed 2:30 - 5:30
Phone: (802) 277-4814
Town Clerk of Lunenburg
Lunenburg, Vermont 05906
Hours: M - F 8:30 to 12:00 & 1:00 to 3:00; Summer: closed at noon
Phone: (802) 892-5959
Town Clerk of Maidstone
Guildhall, Vermont 05905
Hours: M & Th 9:00 - 3:00 or by appt
Phone: (802) 676-3210
Town Clerk of Norton
Norton, Vermont 05907
Hours: Tu 10:00 - 4:00; Th 10:00 - 12:00; F 1:00 - 5:00; last Sat/mth 10:00 - 12:00
Phone: (802) 822-9935
Town Clerk of Victory
North Concord, Vermont 05858
Hours: Tu & Th 10:00 to 3:00; other days by appt (695-3355)
Phone: (802) 328-2400
Recording Tips for Essex County:
- Both spouses typically need to sign if property is jointly owned
- Avoid the last business day of the month when possible
- Have the property address and parcel number ready
Cities and Jurisdictions in Essex County
Properties in any of these areas use Essex County forms:
- Averill
- Beecher Falls
- Canaan
- Concord
- East Haven
- Gilman
- Granby
- Guildhall
- Island Pond
- Lunenburg
- North Concord
- Norton
Hours, fees, requirements, and more for Essex County
How do I get my forms?
Forms are available for immediate download after payment. The Essex 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 Essex County?
Yes. Our form blanks are guaranteed to meet or exceed the applicable formatting requirements used for recording in Essex 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 Essex 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 Essex County?
Recording fees in Essex County vary. Contact the recorder's office at (802) 723-5900 for current fees.
Questions answered? Let's get started!
When a Vermont home loan is paid off, the instrument that clears the land records is often signed not by the lender but by Mortgage Electronic Registration Systems, Inc. This form prepares that instrument: a Vermont discharge of mortgage by separate instrument under 27 V.S.A. Section 463, set up for MERS as the mortgagee of record, signing through a certifying officer.
The certification Vermont law prescribes
Vermont's separate-instrument discharge statute supplies its own language. Under Section 463(a), the instrument is substantially in the statutory form: a certification that the described mortgage is paid in full and satisfied, identifying the mortgagor, the mortgagee, the date of the mortgage, and the book and page of the town land records where it was recorded. This form carries that certification with the identification blanks in the statutory order, then adds express release language covering the interest of the mortgagee of record. Section 463(b) states the consequence: once the satisfaction is acknowledged before a notary public and recorded, it discharges the mortgage and bars actions brought on it. A satisfaction of mortgage, a mortgage release, and a discharge of mortgage are the same instrument under different names; Vermont's statute calls it a discharge.
Why MERS signs, and how the form shows it
A large share of residential mortgages name Mortgage Electronic Registration Systems, Inc. as the mortgagee of record, acting solely as nominee for the lender and the lender's successors and assigns. Once MERS holds the mortgage of record, sales of the loan and transfers of servicing move across the MERS registry without recorded assignments, so at payoff the discharge comes from MERS even when the original lender is long out of the picture. Vermont Title Standard 18.5 addresses this pattern directly: when MERS is the record holder, the mortgage is discharged only by MERS, acting itself or through a member's certifying officer. The form is built around the details a Vermont title examiner reads in such a discharge. It identifies MERS as mortgagee of record and nominee, carries entries for the MERS address, the 18-digit MIN (Mortgage Identification Number), and the servicer loan number, collects the certifying officer's office title under the signature line, and includes an assignment reference section for a mortgage that reached MERS by recorded assignment rather than in the original security instrument.
Recorded with the town clerk, town by town
Vermont records land instruments by town and city rather than by county, so the discharge goes to the clerk of the municipality whose land records hold the mortgage, at the statewide fee of $15.00 per page under 32 V.S.A. Section 1671. A discharge is not a deed transferring title, so no Vermont property transfer tax return accompanies it. A mortgage recorded in more than one town, as happens where a parcel spans a town line, is discharged in every town where it appears; the form's release language speaks to each municipality where the mortgage is of record. Vermont law also puts time pressure behind the paperwork: under 27 V.S.A. Section 464, the mortgagee of record has 30 days after full performance to execute and deliver a complete discharge, with statutory damages of $25.00 per day, up to $5,000.00, for a holder or servicer that lets the deadline pass.
One mortgage, satisfied in full
The form describes the complete satisfaction of one recorded mortgage. It is not set up as a partial release of a portion of the mortgaged land, and it is not set up for a lender or servicer that holds the mortgage of record in its own name without MERS; those situations follow different record chains. The acknowledgment certificate is completed for one signer, the certifying officer, and its name line carries the officer's representative capacity, in the style of an assistant secretary of MERS. The venue lines reflect where the officer actually appears before the notary, which for servicer offices is commonly outside Vermont; an out-of-state certificate records in a Vermont town without difficulty.
The package delivers three items: the blank discharge as a fillable PDF, a completed example showing the entire instrument filled in for a realistic Vermont payoff recorded in the Colchester land records, and a plain-language guide that walks through every section, the signing formalities, and town-by-town recording. The materials are informational and are not legal advice.
Important: Your property must be located in Essex County to use these forms. Documents should be recorded at the office below.
This Discharge of Mortgage (MERS) meets all recording requirements specific to Essex County.
Our Promise
The documents you receive here are guaranteed to meet or exceed the applicable Essex 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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