Charlotte County Deed of Trust and Promissory Note Form

Last validated July 24, 2026 by our Forms Development Team

Charlotte County Deed of Trust Form

Charlotte County Deed of Trust Form

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

Document Last Validated 7/24/2026
Charlotte County Deed of Trust Guidelines

Charlotte County Deed of Trust Guidelines

Line by line guide explaining every blank on the form.

Document Last Validated 7/17/2026
Charlotte County Completed Example of the Deed of Trust

Charlotte County Completed Example of the Deed of Trust

Example of a properly completed form for reference.

Document Last Validated 7/23/2026
Charlotte County Promissory Note Form

Charlotte County Promissory Note Form

Note that is secured by the Deed of Trust.

Document Last Validated 7/9/2026
Charlotte County Promissory Note Guidelines

Charlotte County Promissory Note Guidelines

Line by line guide explaining every blank on the form.

Document Last Validated 7/24/2026
Charlotte County Completed Example of the Promissory Note Document

Charlotte County Completed Example of the Promissory Note Document

Example of a properly completed form for reference.

Document Last Validated 6/22/2026
Charlotte County Subordination Agreements

Charlotte County 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.

Document Last Validated 7/13/2026
Charlotte County Annual Accounting Statement

Charlotte County 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)

Document Last Validated 7/9/2026

All 8 documents above included • One-time purchase • No recurring fees

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

Where to Record Your Documents

Circuit Court Clerk

Address:
125 David Bruce Ave / PO Box 38
Charlotte, Virginia 23923

Hours: Monday - Friday 8:30 AM - 4:30 PM

Phone: (434) 542-5147

Recording Tips for Charlotte County:
  • Documents must be on 8.5 x 11 inch white paper
  • Recorded documents become public record - avoid including SSNs
  • Ask about their eRecording option for future transactions
  • Check margin requirements - usually 1-2 inches at top
  • Both spouses typically need to sign if property is jointly owned

Cities and Jurisdictions in Charlotte County

Properties in any of these areas use Charlotte County forms:

  • Charlotte Court House
  • Cullen
  • Drakes Branch
  • Keysville
  • Phenix
  • Randolph
  • Red House
  • Red Oak
  • Saxe
  • Wylliesburg

View Complete Recorder Office Guide

Hours, fees, requirements, and more for Charlotte County

How do I get my forms?

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

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

Recording fees in Charlotte County vary. Contact the recorder's office at (434) 542-5147 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 Charlotte County 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 Charlotte County.

Our Promise

The documents you receive here are guaranteed to meet or exceed the applicable Charlotte 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 Charlotte County 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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March 9th, 2021

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July 7th, 2021

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July 15th, 2021

Very helpful and fast.

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Ted D.

August 17th, 2020

Very good/user friendly

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Daniel C.

January 20th, 2026

The fill-in pdf produced a messy document and several of the fields too small to accommodate the text. A tailorable MS Word document would have been far better. I would not recommend using this product.

Reply from Staff

Thank you for taking the time to share your feedback. We’re sorry to hear that the fill-in PDF did not meet your expectations, particularly with regard to formatting and field sizing.

Based on your comments, we will be reviewing the document to see where improvements can be made. Feedback like yours is genuinely helpful in identifying areas where our forms can be clearer and easier to use.

We’ve gone ahead and canceled your order and refunded your payment in full, so there’s no expectation that you use a product you wouldn’t feel comfortable recommending.

Michael M.

February 20th, 2020

Thanks worked out great as the form was perfect and no problems filing it with the county.

Reply from Staff

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Judith O.

January 13th, 2019

Unfortunately, it wasn't the information I needed. I wanted something that could remove my husbands name on our deed, because he passed away last month.

Reply from Staff

Sorry to hear about your situation Judith. The document you selected is one that would need to be used during the grantor's lifetime. Under the circumstances, we have canceled your order and refunded your payment.

Randal R.

December 20th, 2019

While disappointed that my request could not be filled, I understand the issue, and appreciate the attempt and the responsiveness. I certainly will be back if the occasion arises!

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January 9th, 2024

Quick, painless, and they communicated with me during the entire process. I will certainly be suing them again.

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Bill M.

September 21st, 2022

I found the path from the home page to actually ordering the document I wanted extremely convoluted and non-intuitive. I went around in circles several times before I figured out how to actually buy the document.

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Robert B.

August 14th, 2021

The forms were easy to download and fill.

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Thank you!

Sharon G.

December 1st, 2021

I could not be happier with the service afforded by Deeds.com. After having been directed to two other organizations who purportedly performed this service and being told they could not accommodate me, I found Deeds.com. The website is extremely easy to use, the directions are clear and concise. The site updated me regularly as the documents were progressing through the process, and the detailing of costs was great. The turn-around -- which isn't completely in the hands of the site -- was incredibly quick. I'd use this group again without reservation. As a person who'd have to otherwise travel almost five hours to record, this has been heaven-sent!

Reply from Staff

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Michael C.

April 30th, 2023

Thank you very much. I received the exact information I was seeking.

Reply from Staff

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Lynnellen S.

May 9th, 2019

My rating is not a 5. Although it had good instructions, it would NOT print the whole document no matter how many times I inputted the names. I ended up writing it in to complete. I also recommend putting it on one page. I had to pay an additional fees per page and if I had to notarize it, why did I have to find 2 witnesses as well. I deserve a discount for the time I spent repeatedly putting the same data. I was trying to save money since Im on social security only. It didnt. Get it to work correctly

Reply from Staff

Thank you for your feedback Lynnellen. Sorry to hear of your struggle with our document. We've gone ahead and refunded your payment. Hope you have a wonderful day.

Ronald L.

January 21st, 2021

There is not enough room on the form to describe my property which was taken directly from the previous deed. Other than that worked as expected.

Reply from Staff

Thank you for your feedback. We really appreciate it. Have a great day!