Essex County Discharge of Mortgage (Two Individuals) Form
Last validated July 18, 2026 by our Forms Development Team
Essex County Discharge of Mortgage (Two Individuals) Form
Fill in the blank Discharge of Mortgage (Two Individuals) form formatted to comply with all Vermont recording and content requirements.
Essex County Discharge of Mortgage (Two Individuals) Guide
Line by line guide explaining every blank on the Discharge of Mortgage (Two Individuals) form.
Essex County Completed Example of the Discharge of Mortgage (Two Individuals) Document
Example of a properly completed Vermont Discharge of Mortgage (Two Individuals) document for reference.
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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:
- Ensure all signatures are in blue or black ink
- Recorded documents become public record - avoid including SSNs
- Bring extra funds - fees can vary by document type and page count
- Both spouses typically need to sign if property is jointly owned
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 two people hold a Vermont mortgage together, the instrument that ends it carries two signatures. This Vermont Discharge of Mortgage is built for that exact record: a mortgage held by two individual mortgagees, both certifying that the loan is paid in full and satisfied. The form is the separate discharge instrument described in 27 V.S.A. section 463, executed by both holders, acknowledged before a notary public, and recorded with the clerk of the Vermont town or city where the mortgage sits in the land records.
Two lenders on the record, two signatures on the discharge
The form recites exactly two mortgagees, each a natural person signing in an individual capacity. That pattern appears throughout Vermont land records: a couple who sold property and took back a purchase-money mortgage from the buyer, family members who financed a relative's home, or two co-lenders who funded a private loan secured by Vermont real estate. The form collects both holders' names and mailing addresses, the mortgagor's name, and the identifying details of the mortgage: its date, its book and page, and the town or city whose land records hold it. Both holders sign, and each signature carries its own acknowledgment certificate, so the two can sign on different dates, in different states, or before different notaries. A mortgage held by a single individual, by a bank or other entity, or by a deceased holder's estate presents a different signing pattern than the two-holder configuration this form recites.
What a recorded satisfaction does under Vermont law
Vermont statute prescribes the certification itself. Section 463 provides that a mortgage may be discharged by an acknowledgment of satisfaction substantially in a short statutory form, certifying that the described mortgage is paid in full and satisfied and identifying the mortgagor, the mortgagee, the date of the mortgage, and the book and page of the town land records where it is recorded. The statute then states the consequence: when the satisfaction is acknowledged before a notary public and recorded, it discharges the mortgage and bars actions brought on it. This form follows that prescribed certification, adapted to two holders, and the acknowledgment certificates and the recording step complete the statutory sequence.
A thirty day duty with a statutory price
A discharge is not a courtesy in Vermont; 27 V.S.A. section 464 sets deadlines around it. Within five business days after a written payoff request, the mortgagee provides a written payoff statement. Within 30 days after full performance of the conditions of the mortgage, the mortgagee of record must execute and deliver a valid and complete discharge, together with any instrument needed to establish record ownership of the mortgage and the authority to sign. A holder who misses the 30 day mark faces statutory damages of $25.00 per day up to an aggregate $5,000.00, and the statute adds consequential damages, punitive damages, court costs, and attorney's fees for an aggrieved party who substantially prevails. For two private lenders, a prompt and properly executed discharge closes the loan cleanly and keeps that exposure off the record.
Recorded with the town clerk, not a county
Vermont records land instruments town by town, with no county recording system. The discharge goes to the clerk of the town or city where the mortgage is recorded, at the statewide fee of $15.00 per page under 32 V.S.A. section 1671, and no Vermont property transfer tax return accompanies it, since that filing attaches to deeds and other documents transferring title. Printed names appear beneath the signature lines, matching the Vermont recording statute that lets a public official ask for typed, stamped, or printed names under signatures. A mortgage recorded in more than one town's land records presents a discharge in each town where it appears. Whether searched as a discharge of mortgage, a satisfaction of mortgage, or a mortgage release, the recorded instrument is what clears the title in the town records.
The download delivers this Vermont Discharge of Mortgage (Two Individuals) as a fillable PDF form, a completed example showing a realistic Milton, Vermont fact pattern, and a plain-language guide that walks through each section, the notarization, and the recording step. The materials describe Vermont law in general terms 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 (Two Individuals) 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.
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