Cowlitz County Deed of Trust and Promissory Note Form
Last validated April 14, 2026 by our Forms Development Team
Cowlitz County Deed of Trust Form
Fill in the blank form formatted to comply with all recording and content requirements.

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

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

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

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

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

Cowlitz 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.

Cowlitz County Annual Accounting Statement Form
Mail to borrower for fiscal year reporting.

Cowlitz County Request for Reconveyance Form
Used by lender to request reconveyance by trustee.
All 9 documents above included • One-time purchase • No recurring fees
Immediate Download • Secure Checkout
Additional Washington and Cowlitz County documents included at no extra charge:
Where to Record Your Documents
Cowlitz County Auditor: Recording
Kelso, Washington 98626
Hours: 8:30am - 4:30pm Monday - Thursday
Phone: (360) 577-3006
Recording Tips for Cowlitz County:
- Bring your driver's license or state-issued photo ID
- Documents must be on 8.5 x 11 inch white paper
- Check margin requirements - usually 1-2 inches at top
- Avoid the last business day of the month when possible
- Ask for certified copies if you need them for other transactions
Cities and Jurisdictions in Cowlitz County
Properties in any of these areas use Cowlitz County forms:
- Ariel
- Carrolls
- Castle Rock
- Cougar
- Kalama
- Kelso
- Longview
- Ryderwood
- Silverlake
- Toutle
- Woodland
Hours, fees, requirements, and more for Cowlitz County
How do I get my forms?
Forms are available for immediate download after payment. The Cowlitz 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 Cowlitz County?
Yes. Our form blanks are guaranteed to meet or exceed the applicable formatting requirements used for recording in Cowlitz 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 Cowlitz 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 Cowlitz County?
Recording fees in Cowlitz County vary. Contact the recorder's office at (360) 577-3006 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 Washington, 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.
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. 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.
RCW 61.24.020- Deeds subject to all mortgage laws---Foreclosure---Recording and indexing---Trustee and beneficiary, separate entities, exception.
Except as provided in this chapter, a deed of trust is subject to all laws relating to mortgages on real property. A deed conveying real property to a trustee in trust to secure the performance of an obligation of the grantor or another to the beneficiary may be foreclosed by trustee's sale. The county auditor shall record the deed as a mortgage and shall index the name of the grantor as mortgagor and the names of the trustee and beneficiary as mortgagee. No person, corporation or association may be both trustee and beneficiary under the same deed of trust: PROVIDED, That any agency of the United States government may be both trustee and beneficiary under the same deed of trust. A deed of trust conveying real property that is used principally for agricultural purposes may be foreclosed as a mortgage. Pursuant to *RCW 62A.9-501(4), when a deed of trust encumbers both real and personal property, the trustee is authorized to sell all or any portion of the grantor's interest in that real and personal property at a trustee's sale.
For us in Washington Only, formatted for county recording requirements. (Washington DOT Package includes forms, guidelines, and completed examples)
Important: Your property must be located in Cowlitz 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 Cowlitz County.
Our Promise
The documents you receive here are guaranteed to meet or exceed the applicable Cowlitz 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 Cowlitz 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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