Charlotte County Deed of Trust and Promissory Note Form

Last validated April 17, 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 3/17/2026
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 4/17/2026
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 1/30/2026
Charlotte County Promissory Note Form

Charlotte County Promissory Note Form

Note that is secured by the Deed of Trust.

Document Last Validated 3/10/2026
Charlotte County Promissory Note Guidelines

Charlotte County Promissory Note Guidelines

Line by line guide explaining every blank on the form.

Document Last Validated 3/17/2026
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 4/16/2026
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 3/20/2026
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 3/17/2026

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

Immediate Download • Secure Checkout

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:
  • Bring extra funds - fees can vary by document type and page count
  • Ask about their eRecording option for future transactions
  • Avoid the last business day of the month when possible
  • 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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Daisy R.

March 15th, 2026

I did my Lady Bird Deed in a way the instruction indicated to do. The example you provided make it easy to understand. Thank you

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May 12th, 2021

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January 31st, 2024

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March 15th, 2021

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April 3rd, 2023

Easy process as I had an example of my other property deeds to work from plus my most current Real Estate Tax forms.

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January 12th, 2023

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July 9th, 2022

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September 28th, 2024

The process was fast and efficient. I did get a bit confused after entering info for my package but soon realized I had completed this part of the process and only needed to leave the page and wait for review of the document and then the invoice. It was pretty simple. After payment of the invoice I was notified that the document had been submitted. A few hours later I received notice that the document was recorded by the city. It was fast!

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February 1st, 2019

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May 18th, 2022

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February 11th, 2021

Although I was given quite a bit of information, I wanted my property title. I was not informed of what I would receive before I paid for this service.

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November 25th, 2022

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December 20th, 2020

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March 27th, 2020

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