Charles City Deed of Trust and Promissory Note Form

Charles City Deed of Trust Form
Fill in the blank form formatted to comply with all recording and content requirements.

Charles City Deed of Trust Guidelines
Line by line guide explaining every blank on the form.

Charles City Completed Example of the Deed of Trust
Example of a properly completed form for reference.

Charles City Promissory Note Form
Note that is secured by the Deed of Trust.

Charles City Promissory Note Guidelines
Line by line guide explaining every blank on the form.

Charles City Completed Example of the Promissory Note Document
Example of a properly completed form for reference.

Charles City Subordination Agreements
Used to place priority on claim of debt. Included are 4 clauses for unique situations. If needed, add to Deed of Trust as an addendum or rider.

Charles City Annual Accounting Statement
Mail to borrower for fiscal year reporting. (A request for payoff information under this section may be made one time within a 12-month period without charge) (6.2-418)
All 8 documents above included • One-time purchase • No recurring fees
Immediate Download • Secure Checkout
Additional Virginia and Charles City documents included at no extra charge:
Where to Record Your Documents
Circuit Court Clerk
Charles City, Virginia 23030
Hours: Monday - Friday 8:30am to 4:30pm
Phone: (804 ) 652-2105
Recording Tips for Charles City:
- Ask if they accept credit cards - many offices are cash/check only
- Recorded documents become public record - avoid including SSNs
- Both spouses typically need to sign if property is jointly owned
- Make copies of your documents before recording - keep originals safe
- Ask about accepted payment methods when you call ahead
Cities and Jurisdictions in Charles City
Properties in any of these areas use Charles City forms:
- Charles City
- Ruthville
Hours, fees, requirements, and more for Charles City
How do I get my forms?
Forms are available for immediate download after payment. The Charles City 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 Charles City?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Charles City including margin requirements, content requirements, font and font size requirements.
Can I reuse these forms?
Yes. You can reuse the forms for your personal use. For example, if you have multiple properties in Charles City 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 Charles City?
Recording fees in Charles City vary. Contact the recorder's office at (804 ) 652-2105 for current fees.
Questions answered? Let's get started!
A Deed of Trust (DOT), is a document that conveys title to real property to a trustee as security for a loan until the grantor (borrower) repays the lender according to terms defined in an attached promissory note. It's similar to a mortgage but differs in that mortgages only include two parties (borrower and lender).
In the Commonwealth of Virginia, a Deed of Trust is the most commonly used instrument to secure a loan. Foreclosure can be done non-judicially, saving time and expense. This process is called a Trustee Sale.
There are three parties in this Deed of Trust:
1- The Grantor (Borrower)
2- Beneficiary (Lender) and a
3- Trustee (Neutral Third Party) (Our guidelines will show how to choose a Trustee at little to no cost)
Basic Concept. The Trustor (Borrower) conveys property title to a Trustee (Neutral Party). A Trustee or beneficiary/Lender can take an action against any person for damages.
Due on Sale Clause: It allows the lender to call or modify the loan if the borrower conveys/sells the property. ("Notice - The debt secured hereby is subject to call in full or the terms thereof being modified in the event of sale or conveyance of the property conveyed.") Required format where (any loan is secured by a mortgage or deed of trust on real property comprised of one- to four-family residential dwelling units.) (VA. Revised Statutes 6.2-417)
These forms are flexible, they can be used for financing residential property, agricultural property, rental property, condominiums, and or small office buildings, with or without existing liens and encumbrances.
A "Special Provisions" section is included for any information specific to your transaction.
The Promissory Note offers options of financing, conventional installments, or installments combined with a balloon payment, common with Owner Financing transactions. Late Charges and Default rates are set within.
(Any lender or seller may impose a late charge for failure to make timely payment of any installment due on a debt, whether installment or single maturity, provided that such late charge does not exceed five percent of the amount of such installment payment and that the charge is specified in the contract between the lender or seller and the debtor.) (6.2-400 (B))
In addition to any other remedies available to Lender if this Note is not paid in full at the Maturity Date, Borrowers shall pay to Lender an Overdue Loan Fee, which fee shall be due at the time this Note is otherwise paid in full. The "Overdue Loan Fee" shall be determined based upon the outstanding principal balance of this Note as of the Maturity Date and shall be:
(a) one percent (1.0%) Of such principal balance if the Note is paid in full on or after thirty (30) days after the Maturity Date but less than sixty (60) days after the Maturity Date, or
(b) two percent (2.0%) of such principal balance if the Note is paid in full on or after sixty (60) days after the Maturity Date.
A Deed of Trust secured by a Promissory Note that includes stringent default terms, can be advantageous to the Lender and favorable to Owner Financing.
(Virginia DOT Package includes forms, guidelines, and completed examples) For use in the Commonwealth of Virginia only.
Important: Your property must be located in Charles City to use these forms. Documents should be recorded at the office below.
This Deed of Trust and Promissory Note meets all recording requirements specific to Charles City.
Our Promise
The documents you receive here will meet, or exceed, the Charles City recording requirements for formatting. If there's an issue caused by our formatting, we'll make it right and refund your payment.
Save Time and Money
Get your Charles City Deed of Trust 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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