West Virginia Forms

Jefferson County Deed of Trust and Promissory Note Form

Jefferson County Deed of Trust Form

Jefferson County Deed of Trust Form

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

Document Last Validated 4/2/2025
Jefferson County Deed of Trust Guidelines

Jefferson County Deed of Trust Guidelines

Line by line guide explaining every blank on the form.

Document Last Validated 8/14/2025
Jefferson County Completed Example of the Deed of Trust Document

Jefferson County Completed Example of the Deed of Trust Document

Example of a properly completed form for reference.

Document Last Validated 8/18/2025
Jefferson County Promissory Note Form

Jefferson County Promissory Note Form

Note that is secured by the Deed of Trust.

Document Last Validated 8/25/2025
Jefferson County Promissory Note Guidelines

Jefferson County Promissory Note Guidelines

Line by line guide explaining every blank on the form.

Document Last Validated 6/24/2025
Jefferson County Completed Example of the Promissory Note Document

Jefferson County Completed Example of the Promissory Note Document

Example of a properly completed form for reference.

Document Last Validated 8/7/2025
Jefferson County Subordination Agreements

Jefferson 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.

Document Last Validated 6/9/2025
Jefferson County Annual Accounting Statement

Jefferson County Annual Accounting Statement

Mail to borrower for fiscal year reporting.

Document Last Validated 8/12/2025

All 8 documents above included • One-time purchase • No recurring fees

Immediate Download • Secure Checkout

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

Where to Record Your Documents

Jefferson County Clerk
Address:
Old Courthouse - 100 E Washington St / PO Box 208
Charles Town, West Virginia 25414

Hours: 9:00 to 5:00 M-F / Same-day recording until 4:30

Phone: (304) 728-3215

Recording Tips for Jefferson County:
  • Documents must be on 8.5 x 11 inch white paper
  • Verify all names are spelled correctly before recording
  • Double-check legal descriptions match your existing deed
  • Recording fees may differ from what's posted online - verify current rates
  • Bring extra funds - fees can vary by document type and page count

Cities and Jurisdictions in Jefferson County

Properties in any of these areas use Jefferson County forms:

  • Bakerton
  • Charles Town
  • Halltown
  • Harpers Ferry
  • Kearneysville
  • Millville
  • Ranson
  • Rippon
  • Shenandoah Junction
  • Shepherdstown
  • Summit Point

View Complete Recorder Office Guide

Hours, fees, requirements, and more for Jefferson County

How do I get my forms?

Forms are available for immediate download after payment. The Jefferson 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 Jefferson County?

Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Jefferson 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 Jefferson 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 Jefferson County?

Recording fees in Jefferson County vary. Contact the recorder's office at (304) 728-3215 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 Jefferson 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 Jefferson County.

Our Promise

The documents you receive here will meet, or exceed, the Jefferson 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 Jefferson 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 )

Michael H.

April 8th, 2020

Very responsive and thorough. Glad to have found such a great company for our recording needs.

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LIDIA M.

February 3rd, 2021

excellent

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WILLIAM H.

April 17th, 2021

i also need a "NOTE" and this trust deed is not exactly what i wanted. it may work but not to well.

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Glenda T.

November 11th, 2020

you made this so easy,user friendly

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Jean W.

April 21st, 2021

helpful if there was a space so one could type in the exemption # on the blank form before printing

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Chad R.

January 31st, 2020

a refreshing web based legal form site Thanks I will recommend to friend

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Judie G.

February 2nd, 2022

Review: Forms are on point, to the point, and cover the vast majority of situations. Would not suggest if your deal is overly complicated but most situations are not complicated at all.

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Donna R.

November 17th, 2021

This was a seamless process. It probably took one minute to fill out my information and upload the document. It was formatted and sent immediately. It was processed the next day at the county recorders office. I have zero complaints. Before finding this company I spent an entire day calling and leaving messages at other e-filing companies like simplfile and others but they all required subscriptions. I just needed to file a single document now and then so that was not a good fit. (And those companies I found out still require the customer to do all the work!). Deeds.com kept me informed throughout the process every step. I'm happy to write this review. Thank you

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Lynne Z.

April 22nd, 2022

not enough room for legal description. Wouldn't allow me to enter widow status in owner box. Not clear who to send it to so I printed it out and will ask the notary who I use for recording it.

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Kathleen M.

July 21st, 2021

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May 27th, 2021

Excellent service ! Came through in the clutch! Easy to use and understand ! Exceptional service ! 10/10

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STEVEN J.

October 18th, 2019

Great , easy to use.

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Joy R.

August 10th, 2020

Easy and efficient way to get a deed copy.

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November 6th, 2020

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June 4th, 2020

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