Berkeley County Deed of Trust and Promissory Note Form

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

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

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

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

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

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

Berkeley 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.

Berkeley County Annual Accounting Statement
Mail to borrower for fiscal year reporting.
All 8 documents above included • One-time purchase • No recurring fees
Immediate Download • Secure Checkout
Additional West Virginia and Berkeley County documents included at no extra charge:
Where to Record Your Documents
Berkeley County Clerk
Martinsburg, West Virginia 25401
Hours: Monday-Friday 9:00am to 5:00pm
Phone: (304) 264-1927
Recording Tips for Berkeley County:
- Bring your driver's license or state-issued photo ID
- Double-check legal descriptions match your existing deed
- Ask for certified copies if you need them for other transactions
- Have the property address and parcel number ready
Cities and Jurisdictions in Berkeley County
Properties in any of these areas use Berkeley County forms:
- Bunker Hill
- Falling Waters
- Gerrardstown
- Glengary
- Hedgesville
- Inwood
- Martinsburg
- Ridgeway
Hours, fees, requirements, and more for Berkeley County
How do I get my forms?
Forms are available for immediate download after payment. The Berkeley 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 Berkeley County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Berkeley 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 Berkeley 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 Berkeley County?
Recording fees in Berkeley County vary. Contact the recorder's office at (304) 264-1927 for current fees.
Questions answered? Let's get started!
There are three parties in this Deed of Trust:
1- The Trustor (Borrower)
2- Beneficiary (Lender) and a
3- Trustee (Neutral Third Party)
Basic Concept. The Trustor (Borrower) conveys property title to a Trustee (Neutral Party). A Trustee or beneficiary/Lender can take action against any person for damages.
In West Virginia, a Deed of Trust (DOT) is the most commonly used instrument to secure a loan. If the DOT has a "Power of Sale" clause, foreclosure can be done non-judicially, saving time and expense, because the trustee doesn't require the court's involvement. This process is called a Trustee Sale. Explained in WV Statute 38-1-3. "Sales under trust deeds."
Proceeds of Trustee Sale: After deducting all costs, fees and expenses of Trustee and of this trust, including the cost of evidence of title in connection with the sale and reasonable attorney's fees, trustee shall apply the proceeds of sale to payment of all sums then secured hereby and all other sums due under the terms hereof, with accrued interest, and the remainder, if any, to the persons legally entitled thereto or as provided by W. VA. ARTICLE 1, 38-1-7.
(38-1-2. Form of deed of trust; memorandum of deed of trust may be recorded.) This Form is fully formatted for W.VA. recording requirements.
Promissory Note secured by Deed of Trust.
In general, the lender can charge 6% with no written contract and 8% with a written contract. Exceptions are made, see W. VA. Statute 47-6-5, "Legal rate of interest".
Terms:
A- Principle Owed and Maturity Date of Loan
B- Payments - Traditional Installment or installments with a Balloon Payment.
C- Late Payments: So much $ owed after X number of days, plus $ for each day after.
D- Default Rate: If payment is at least 30 days past due, then the principal balance shall bear interest at default rate of $$$.
E- Overdue Loan Fee: 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.
F- Default Terms: If any of the following events of default occur, this Note and any other obligations of the Borrower to the Lender, shall become due immediately, without demand or notice:
1) the failure of the Borrower to pay the principal and any accrued interest when due;
2) the filing of bankruptcy proceedings involving the Borrower as a debtor;
3) the application for the appointment of a receiver for the Borrower;
4) the making of a general assignment for the benefit of the Borrower's creditors;
5) the insolvency of the Borrower;
6) a misrepresentation by the Borrower to the Lender for the purpose of obtaining or extending credit.
7) In addition, the Borrower shall be in default if there is a sale, transfer, assignment, or any other disposition of any real estate pledged as collateral for the payment of this Note, or if there is a default in any security agreement which secures this Note.
G- Venue: If legal action is required, Lender provides the County of such actions.
This package can be used for financing of residential property, a condominium, a small office building and rental property (up to 4 units). A Promissory Note secured by a Deed of Trust with strong default terms can be beneficial to the Lender. This form has terms and conditions defined by W. VA. Statutes, for use in W. VA only.
(West Virginia DOT Package includes forms, guidelines, and completed examples)
Important: Your property must be located in Berkeley 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 Berkeley County.
Our Promise
The documents you receive here will meet, or exceed, the Berkeley 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 Berkeley 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 - ( 4581 Reviews )
Sandra C.
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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JAMSHEAD T.
December 13th, 2020
An excellent service. Exactly what one would hope for in the 21st century.
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Patricia D.
January 5th, 2019
I looked around for forms and came to this site. I had to do 15 deeds and this form was very useful to completing that. Very impressed. Thanks
Thank you for your feedback. We really appreciate it. Have a great day!
Diane D.
July 7th, 2021
. I purchased 3 different items yesterday. Truthfully, it was a bit annoying, I could not figure out how to put them in a cart and had to do 3 transactions. I'm in the process of reviewing my purchases. Thank you! .
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Megan L.
July 25th, 2022
Explanation of all forms is simple and easy to understand. The forms are made in accordance to my state. This website is easy to use and navigate.
We appreciate your business and value your feedback. Thank you. Have a wonderful day!
Mike M.
October 27th, 2020
Get Rid of the places to initial each page on the Trust Deed. The Co. Recorder (Davis) does not require that each page be initialled... If I and the "borrower" had initialed each page, then I would have to use US Mail to get the form from AZ to UT because scans of initials are not acceptable, but only a notarized signature from the borrower is...
Thank you for your feedback. We really appreciate it. Have a great day!
James J.
December 27th, 2019
Downloaded and used the Ladybird Warranty Deed for a county in Florida with no issues. Cost for the download and subsequent recording fee of the deed totaled less than $40. No reason to pay hundreds. I assume the subsequent transfer upon death will go smoothly, but I of course, will never know. The "example" of a completed form was very beneficial. Also, get a copy of the current deed and make sure legal description of real estate is exactly the same on the new deed.
Thank you for your feedback. We really appreciate it. Have a great day!
Dorothy B.
November 4th, 2020
Love your deed service. Simple and easy.
Thank you!
Jennifer S.
September 4th, 2021
We liked the ease of filling out our document in a professional layout.
Thank you for your feedback. We really appreciate it. Have a great day!
Laureen M.
November 5th, 2020
This service was extremely helpful. I truly appreciated the way I was communicated with every step of the way in getting my Deed recorded.
Thank you!
Dawn L.
May 26th, 2022
Not totally satisfied as unable to edit as needed on signature page of the deed. I want to be able to date the document and don't want the verbage "signed, sealed and delivered in the presence of" to appear and cannot remove it. The notary will make his or her own statement below as to the date executed.
Thank you for your feedback. We really appreciate it. Have a great day!
samantha b.
February 18th, 2019
excellent instructions and the examples made completing the forms so very simple. thanks so much.
Thank you Samantha.
Barbara B.
April 23rd, 2020
A great help! Thank you.
Thank you!
Rosa Irene G.
December 4th, 2020
nd your site/forms. The cost is also great. Thank you so much for making this affordable to everyone.
Thank you for your feedback. We really appreciate it. Have a great day!
Lee C.
February 10th, 2021
Quick, easy and reasonably priced.
Thank you!