Essex County Mortgage Deed (Trust) Form
Last validated July 17, 2026 by our Forms Development Team
Essex County Mortgage Deed (Trust) Form
Fill in the blank Mortgage Deed (Trust) form formatted to comply with all Vermont recording and content requirements.
Essex County Mortgage Deed (Trust) Guide
Line by line guide explaining every blank on the Mortgage Deed (Trust) form.
Essex County Completed Example of the Mortgage Deed (Trust) Document
Example of a properly completed Vermont Mortgage Deed (Trust) 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:
- Make copies of your documents before recording - keep originals safe
- Leave recording info boxes blank - the office fills these
- Both spouses typically need to sign if property is jointly owned
- Multi-page documents may require additional fees per page
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!
A mortgage on Vermont land held in trust carries one signature: the trustee's, given in the fiduciary capacity the deed recites on its face. This Vermont Mortgage Deed (Trust) prepares that instrument, a mortgage deed whose mortgagor is the trustee of a trust, conveying trust-held property to a lender as security for a loan under 27 V.S.A. §§ 301, 341, and 342.
One trustee, one certificate
The mortgagor section of the form carries two entries: the trustee, and the trust identified by its full name and the date of the trust instrument. The operative section then does the work that distinguishes a trust mortgage from an ordinary one. It recites that the mortgagor holds record title as trustee and signs in that fiduciary capacity, it points to the trustee's statutory power under 14A V.S.A. § 816(5) to borrow money and mortgage trust property, and it states that the covenants of title bind the trust estate rather than the trustee individually. One signature block and one acknowledgment certificate follow, and the notary's certificate carries the trustee's name with the representative capacity, in the style of Margaret H. Boisvert, as Trustee of the Boisvert Family Revocable Trust.
The form recites exactly one trustee holding record title. Property standing in an individual owner's name, and title held by two or more cotrustees, present different signature architectures from the one this deed recites. The patterns that do present this configuration in Vermont land records include a family revocable trust borrowing against the home or camp the trust holds, a trust that purchased land with seller financing and gave the seller a mortgage back, and a private refinance of trust-held rental or woodland parcels. A lender documenting the trustee's authority can request a certification of trust under 14A V.S.A. § 1013, a sworn summary the statute makes usable as evidence of authority to mortgage; that certification is prepared and recorded separately and is not included in this package.
Security by conveyance, ended by payment
Vermont keeps the traditional mortgage architecture: the mortgage deed conveys the property to the lender as security, subject to the mortgagor's right to redeem, and Vermont title practice treats the granting of a mortgage as a conveyance of legal title on exactly those terms. The form's operative clause gives, grants, bargains, sells, and conveys the property to the mortgagee, and its PROVIDED NEVERTHELESS condition states the other half of the bargain: when the promissory note and any other secured obligations described in the deed are paid and performed in full, the conveyance is void and the mortgage is discharged of record. Discharge has its own statutory machinery in 27 V.S.A. §§ 461 through 464a, including a 30 day duty on the mortgagee of record to deliver a complete discharge after full performance. The promissory note itself is a separate instrument, prepared separately and not included in this package; the deed secures the obligations its sixth section describes by date, principal amount, maker, and maturity.
Recording at the town clerk's counter
Vermont records land instruments town by town. The executed deed, acknowledged before a notary public as 27 V.S.A. § 341(a) provides, goes to the clerk of the town or city where the property lies, at the statewide fee of 15 dollars per page under 32 V.S.A. § 1671. A mortgage deed travels lighter than a transfer deed at that counter: the Department of Taxes places mortgage deeds outside the Property Transfer Tax Return filing category, so the deed records without the PTT-172 return and Act 250 certificate that deeds transferring title carry. Recording is also where the mortgage earns its priority, because under 27 V.S.A. § 342 an unrecorded mortgage deed is not effectual to hold the estate against anyone but the grantor and the grantor's heirs.
The package holds exactly three pieces: the Vermont mortgage deed as a fillable PDF, a completed example showing the form filled in for a trust-held property in Milton, and a plain language guide that walks through every numbered section, the signing formalities, and town recording. 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 Mortgage Deed (Trust) 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
Get your Essex County Mortgage Deed (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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December 17th, 2021
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