James City Deed of Trust and Promissory Note Form

Last validated August 11, 2026 by our Forms Development Team

Formatted for recording in James City, for property anywhere in the county or independent city: rural and unincorporated areas as well as Jamestown, Norge, Toano, Williamsburg.

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James City Deed of Trust Form

James City Deed of Trust Form

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

Document last validated 7/24/2026
James City Deed of Trust Guidelines

James City Deed of Trust Guidelines

Line by line guide explaining every blank on the form.

Document last validated 8/11/2026
James City Completed Example of the Deed of Trust

James City Completed Example of the Deed of Trust

Example of a properly completed form for reference.

Document last validated 7/23/2026
James City Promissory Note Form

James City Promissory Note Form

Note that is secured by the Deed of Trust.

Document last validated 7/9/2026
James City Promissory Note Guidelines

James City Promissory Note Guidelines

Line by line guide explaining every blank on the form.

Document last validated 7/24/2026
James City Completed Example of the Promissory Note Document

James City Completed Example of the Promissory Note Document

Example of a properly completed form for reference.

Document last validated 6/22/2026
James City Subordination Agreements

James 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.

Document last validated 8/6/2026
James City Annual Accounting Statement

James 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)

Document last validated 7/9/2026

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

Where to Record Your Documents

Clerk of the Circuit Court

Address:
5201 Monticello Ave, Suite 6
Williamsburg, Virginia 23188-8218

Hours: 8:30am - 4:30pm Monday-Friday

Phone: (757) 564-2242

Recording Tips for James City:
  • Bring your driver's license or state-issued photo ID
  • Ensure all signatures are in blue or black ink
  • Avoid the last business day of the month when possible
  • Both spouses typically need to sign if property is jointly owned
  • Bring extra funds - fees can vary by document type and page count

Cities and Jurisdictions in James City

Properties in any of these areas use James City forms:

  • Jamestown
  • Norge
  • Toano
  • Williamsburg

View Complete Recorder Office Guide

Hours, fees, requirements, and more for James City

How do I get my forms?

Forms are available for immediate download after payment. The James 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 James City?

Yes. Our form blanks are guaranteed to meet or exceed the applicable formatting requirements used for recording in James City, 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 James 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. The free Adobe Acrobat Reader is recommended, and most PDF apps also work. 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 James City?

Recording fees in James City vary. Contact the recorder's office at (757) 564-2242 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 James City to use these forms. Documents should be recorded at the county or independent city recording office listed above.

This Deed of Trust and Promissory Note meets all recording requirements specific to James City.

Our Promise

The documents you receive here are guaranteed to meet or exceed the applicable James City 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 James 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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Gene K. 5 out of 5 stars

I am still in the trial stage. I am an older lawyer. Any help I can get is worth it. Once you get used to the format and data fill in the deed thing is excellent. Very professional if not a little slow. I have only done three deeds in one state so I will have to see how it goes. I like the product and their attitude towards pleasing the customer. We'll see when I try the recording part.

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James S. 5 out of 5 stars

Forms used, created quitclaim deed that the county accepted without a second look (turns out they see deeds.com forms regularly via erecording and in person). Will be back for any real estate related forms I need and they carry. Will always be my first stop. Also, will use erecording next time, mad I didn't see it this time.

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