Cowlitz County Deed of Trust and Promissory Note Form (Washington)

All Cowlitz County specific forms and documents listed below are included in your immediate download package:

Deed of Trust Form

Cowlitz County Deed of Trust Form

Fill in the blank form formatted to comply with all recording and content requirements.
Included Cowlitz County compliant document last validated/updated 5/29/2025

Deed of Trust Guidelines

Cowlitz County Deed of Trust Guidelines

Line by line guide explaining every blank on the form.
Included Cowlitz County compliant document last validated/updated 6/24/2025

Completed Example of the Deed of Trust Document

Cowlitz County Completed Example of the Deed of Trust Document

Example of a properly completed form for reference.
Included Cowlitz County compliant document last validated/updated 4/2/2025

Promissory Note Form

Cowlitz County Promissory Note Form

Note that is secured by the Deed of Trust.
Included Cowlitz County compliant document last validated/updated 2/13/2025

Promissory Note Guidelines

Cowlitz County Promissory Note Guidelines

Line by line guide explaining every blank on the form.
Included Cowlitz County compliant document last validated/updated 7/14/2025

Completed Example of the Promissory Note Document

Cowlitz County Completed Example of the Promissory Note Document

Example of a properly completed form for reference.
Included Cowlitz County compliant document last validated/updated 6/23/2025

Subordination Agreements

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.
Included Cowlitz County compliant document last validated/updated 4/29/2025

Annual Accounting Statement Form

Cowlitz County Annual Accounting Statement Form

Mail to borrower for fiscal year reporting.
Included Cowlitz County compliant document last validated/updated 4/16/2025

Request for Reconveyance Form

Cowlitz County Request for Reconveyance Form

Used by lender to request reconveyance by trustee.
Included Cowlitz County compliant document last validated/updated 6/9/2025

When using these Deed of Trust and Promissory Note forms, the subject real estate must be physically located in Cowlitz County. The executed documents should then be recorded in the following office:

Cowlitz County Auditor: Recording

207 N 4th Ave, Rm 106, Kelso, Washington 98626

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

Phone: (360) 577-3006

Local jurisdictions located in Cowlitz County include:

  • Ariel
  • Carrolls
  • Castle Rock
  • Cougar
  • Kalama
  • Kelso
  • Longview
  • Ryderwood
  • Silverlake
  • Toutle
  • Woodland

How long does it take to get my forms?

Forms are available immediately after submitting payment.

How do I get my forms, are they emailed?

Immediately after you submit payment, the Cowlitz County forms you order will be available for download directly from your account. You can then download the forms to your computer. If you do not already have an account, one will be created for you as part of the order process, and your login details will be provided to you. If you encounter any issues accessing your forms, please reach out to our support team for assistance. Forms are NOT emailed to you.

What does "validated/updated" mean?

This indicates the most recent date when at least one of the following occurred:

  • Updated: The document was updated or changed to remain compliant.
  • Validated: The document was examined by an attorney or staff, or it was successfully recorded in Cowlitz County using our eRecording service.
Are these forms guaranteed to be recordable in Cowlitz County?

Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Cowlitz County including margin requirements, content requirements, font and font size requirements.

Can the Deed of Trust and Promissory Note forms be re-used?

Yes. You can re-use the forms for your personal use. For example, if you have more than one property in Cowlitz County that you need to transfer you would only need to order our forms once for all of your properties in Cowlitz County.

What are supplemental forms?

Often when a deed is recorded, additional documents are required by Washington or Cowlitz County. These could be tax related, informational, or even as simple as a coversheet. Supplemental forms are provided for free with your order where available.

What type of files are the forms?

All of our Cowlitz County Deed of Trust and Promissory Note forms are PDFs. You will need to have or get Adobe Reader to use our forms. Adobe Reader is free software that most computers already have installed.

Do I need any special software to use these forms?

You will need to have Adobe Reader installed on your computer to use our forms. Adobe Reader is free software that most computers already have installed.

Do I have to enter all of my property information online?

No. The blank forms are downloaded to your computer and you fill them out there, at your convenience.

Can I save the completed form, email it to someone?

Yes, you can save your deed form at any point with your information in it. The forms can also be emailed, blank or complete, as attachments.

Are there any recurring fees involved?

No. Nothing to cancel, no memberships, no recurring fees.

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)

Our Promise

The documents you receive here will meet, or exceed, the Cowlitz 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 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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July 14th, 2025

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July 10th, 2025

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June 30th, 2025

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December 20th, 2020

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November 8th, 2021

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May 4th, 2023

I hope this will address all I need to make sure my father is not being taken for granted by my siblings and a nephew and his wife.

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August 4th, 2024

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January 7th, 2021

The form was short, and explainable.. so that is my feed back on that...but we have not received anything back to actually see if we filled the form out correctly. So I definitely can not say if I'm satisfied with it or not until I know that it is approved. I would recommend Coos County web site for Forms to people. Thank you.

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Dorothy S.

November 11th, 2020

Great service and documents that solved my legal issues
I was frustrated with my inability to safe my information on the template and add an extra field box. Please make those instructions more clear for future customers.

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Ken S.

March 14th, 2019

Easy to downloand. Instructions were helpful and easy to follow. Made the process a lot easier for me.

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February 14th, 2023

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December 30th, 2020

Quick and easy. Would recommend this site to everyone. Deed was sent to the site and recorded at my local county within 24 hours. Website could be set up better. Not labeled well for us that is not computer savvy.

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September 24th, 2020

Love the names on the example! thanks for the smiles!

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November 21st, 2023

Loved the ease of use, the very helpful instructions, and samples to go along with the documents I needed to create.

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