Cumberland County Deed of Trust and Promissory Note Form

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

Cumberland County Deed of Trust Guidelines
Line by line guide explaining every blank on the form.

Cumberland County Completed Example of the Deed of Trust
Example of a properly completed form for reference.

Cumberland County Promissory Note Form
Note that is secured by the Deed of Trust.

Cumberland County Promissory Note Guidelines
Line by line guide explaining every blank on the form.

Cumberland County Completed Example of the Promissory Note Document
Example of a properly completed form for reference.

Cumberland 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.

Cumberland 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)
All 8 documents above included • One-time purchase • No recurring fees
Additional Virginia and Cumberland County documents included at no extra charge:
Where to Record Your Documents
Circuit Court Clerk
Address:
1 Courthouse Circle / PO Box 8
Cumberland, Virginia 23040
Hours: Monday - Friday 8:30 am - 4:30 pm
Phone: (804) 492-4442
Recording Tips for Cumberland County:
- Verify all names are spelled correctly before recording
- Request a receipt showing your recording numbers
- Recording fees may differ from what's posted online - verify current rates
- Verify the recording date if timing is critical for your transaction
- Have the property address and parcel number ready
Cities and Jurisdictions in Cumberland County
Properties in any of these areas use Cumberland County forms:
- Cartersville
- Cumberland
How do I get my forms?
Forms are available for immediate download after payment. The Cumberland 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 Cumberland County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Cumberland County 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 Cumberland 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 Cumberland County?
Recording fees in Cumberland County vary. Contact the recorder's office at (804) 492-4442 for current fees.
Have other questions? Contact our support team
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 Cumberland 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 Cumberland County.
Our Promise
The documents you receive here will meet, or exceed, the Cumberland County 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 Cumberland 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.
4.8 out of 5 - ( 4569 Reviews )
Quinlyn H.
August 4th, 2020
They didn't have what I was looking for so they refunded my money immediately. Very easy to work with!
Thank you!
MARK K.
June 18th, 2020
This is a great service. I submitted the information and the next day my deed had been recorded. Online recording during these times is the most sensible way to record deeds.
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RHONDA G.
February 22nd, 2024
Was driven to this site by the county website. It took a bit of work having to create an account, etc. The example was useful; however the example only showed both parties in the same county, nor did the instructions mention anything about differing counties. This caused an oversight on my part.
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stephanie h.
April 2nd, 2020
Very satisfied. In the middle of COVID19 I was able to complete important paperwork even though I wasn't completely sure what I was doing on my own. Quick and easy. Thank you. It means a lot to me.
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PETER A.
May 15th, 2025
Got the forms I needed after getting forms for the wrong county and paying twice. My bad!
Thanks for your feedback! Just to clarify—when an order is placed for the wrong county, we’re happy to help. In this case, we canceled the original order and refunded the payment so there was no duplicate charge. Glad you got the correct forms in the end!
Connie J L.
August 26th, 2020
Fast and easy to use. Easy to print.
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CEDRIC D.
December 2nd, 2021
need more instructions for each form
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David S.
April 6th, 2024
This site was recommended by my County's Clerks office website. Let me tell you when I received my specific State and County's Quit Claim Deed forms from Deeds.com, every conceivable form that could be needed in addition to the full instructions, and a sample filled out form, I was impressed (five stars) and made things so easy for me to feel confident in my legal activity on a land transaction.
Thank you for your positive words! We’re thrilled to hear about your experience.
William G.
July 21st, 2023
Exactly what I needed and saved me a bundle by not having to hire an attorney. My county clerk said it was exactly correct.
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Sheri L.
July 9th, 2019
Very helpful even though what I'm looking for hasnt updated yet. I'll use you again.
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Allison S.
August 29th, 2024
The representatives that facilitate the recording process have always been very helpful, especially where there is some issue with the recording. They have always gone the extra mile to make sure we know what we need to do to fix any issues. I really love this service.
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Brian B.
May 13th, 2021
Very good price. It came with instructions and a sample filled out. Very helpful.
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THOMAS P.
September 11th, 2020
This site is excellent and makes everything so much easier. 5 star platform.
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Rocio S.
March 4th, 2019
Great Help - very satisfied with the service - would recomend 100%
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Brenda M.
February 3rd, 2021
I was glad that I paid to get a copy of the gift deed it help me out a lot and the copy of the example how to fill everything out was great
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