Mercer County Deed of Trust and Promissory Note Form

Last validated June 25, 2026 by our Forms Development Team

Mercer County Deed of Trust Form

Mercer County Deed of Trust Form

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

Document Last Validated 5/28/2026
Mercer County Deed of Trust Guidelines

Mercer County Deed of Trust Guidelines

Line by line guide explaining every blank on the form.

Document Last Validated 6/17/2026
Mercer County Completed Example of the Deed of Trust Document

Mercer County Completed Example of the Deed of Trust Document

Example of a properly completed form for reference.

Document Last Validated 6/1/2026
Mercer County Promissory Note Form

Mercer County Promissory Note Form

Note that is secured by the Deed of Trust.

Document Last Validated 6/23/2026
Mercer County Promissory Note Guidelines

Mercer County Promissory Note Guidelines

Line by line guide explaining every blank on the form.

Document Last Validated 6/16/2026
Mercer County Completed Example of the Promissory Note Document

Mercer County Completed Example of the Promissory Note Document

Example of a properly completed form for reference.

Document Last Validated 5/22/2026
Mercer County Subordination Agreements

Mercer 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 6/11/2026
Mercer County Annual Accounting Statement

Mercer County Annual Accounting Statement

Mail to borrower for fiscal year reporting.

Document Last Validated 6/25/2026

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

Immediate Download • Secure Checkout

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

Where to Record Your Documents

Mercer County Clerk

Address:
Courthouse - 1501 W Main St, Suite 121
Princeton, West Virginia 24740

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

Phone: (304) 487-8312

Recording Tips for Mercer County:
  • Ensure all signatures are in blue or black ink
  • Bring your driver's license or state-issued photo ID
  • Check that your notary's commission hasn't expired
  • Avoid the last business day of the month when possible
  • Recording fees may differ from what's posted online - verify current rates

Cities and Jurisdictions in Mercer County

Properties in any of these areas use Mercer County forms:

  • Athens
  • Beeson
  • Bluefield
  • Bramwell
  • Camp Creek
  • Flat Top
  • Freeman
  • Hiawatha
  • Kegley
  • Kellysville
  • Lashmeet
  • Lerona
  • Matoaka
  • Montcalm
  • Nemours
  • Oakvale
  • Princeton
  • Rock
  • Spanishburg
  • Wolfe

View Complete Recorder Office Guide

Hours, fees, requirements, and more for Mercer County

How do I get my forms?

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

Yes. Our form blanks are guaranteed to meet or exceed the applicable formatting requirements used for recording in Mercer 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 Mercer 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 Mercer County?

Recording fees in Mercer County vary. Contact the recorder's office at (304) 487-8312 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 Mercer 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 Mercer County.

Our Promise

The documents you receive here are guaranteed to meet or exceed the applicable Mercer 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 Mercer 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 - ( 4747 Reviews )

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August 1st, 2020

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February 13th, 2023

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June 15th, 2021

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January 27th, 2024

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