West Virginia Forms

Morgan County Deed of Trust and Promissory Note Form

Morgan County Deed of Trust Form

Morgan County Deed of Trust Form

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

Validated 4/2/2025 Preview Form
Morgan County Deed of Trust Guidelines

Morgan County Deed of Trust Guidelines

Line by line guide explaining every blank on the form.

Validated 7/24/2025 Preview Form
Morgan County Completed Example of the Deed of Trust Document

Morgan County Completed Example of the Deed of Trust Document

Example of a properly completed form for reference.

Validated 7/7/2025 Preview Form
Morgan County Promissory Note Form

Morgan County Promissory Note Form

Note that is secured by the Deed of Trust.

Validated 1/31/2025 Preview Form
Morgan County Promissory Note Guidelines

Morgan County Promissory Note Guidelines

Line by line guide explaining every blank on the form.

Validated 6/24/2025 Preview Form
Morgan County Completed Example of the Promissory Note Document

Morgan County Completed Example of the Promissory Note Document

Example of a properly completed form for reference.

Validated 5/23/2025 Preview Form
Morgan County Subordination Agreements

Morgan 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.

Validated 6/9/2025 Preview Form
Morgan County Annual Accounting Statement

Morgan County Annual Accounting Statement

Mail to borrower for fiscal year reporting.

Validated 6/25/2025 Preview Form

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

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

Where to Record Your Documents

Morgan County Clerk
Address:
77 Fairfax St, Rm 102
Berkeley Springs, West Virginia 25411

Hours: 9:00 to 5:00 M-F

Phone: (304) 258-8547

Recording Tips for Morgan County:
  • Double-check legal descriptions match your existing deed
  • Documents must be on 8.5 x 11 inch white paper
  • Recorded documents become public record - avoid including SSNs
  • Consider using eRecording to avoid trips to the office

Cities and Jurisdictions in Morgan County

Properties in any of these areas use Morgan County forms:

  • Berkeley Springs
  • Great Cacapon
  • Paw Paw

View Complete Recorder Office Guide

Hours, fees, requirements, and more for Morgan County

How do I get my forms?

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

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

Recording fees in Morgan County vary. Contact the recorder's office at (304) 258-8547 for current fees.

Have other questions? Contact our support team

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 Morgan 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 Morgan County.

Our Promise

The documents you receive here will meet, or exceed, the Morgan 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 Morgan 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 - ( 4572 Reviews )

Bonnie C.

July 28th, 2021

Easy and convenient. Was nice to have just a one time charge without a so-called anual fee/membership. Will use again if needed. May update review after "all is said and done."

Reply from Staff

Thank you!

April L.

March 21st, 2020

It was easy and I will use it again.

Reply from Staff

We appreciate your business and value your feedback. Thank you. Have a wonderful day!

Michael D.

August 19th, 2019

Your Guide is very good but does not explain precisely where one can find the Instrument Number for the originally filed Claim of Lien.

Reply from Staff

Thank you for your feedback. We really appreciate it. Have a great day!

Lisa m.

April 25th, 2020

Very fast and easy! Thanks!!

Reply from Staff

Glad we could help. Thank you!

John W.

February 10th, 2021

Wow, I wish that I would have found Deeds.com before! Great service!

Reply from Staff

Thank you!

Lynn S.

July 22nd, 2020

Great service. I did not have to put much thought into the process!!! Worth the $15.00 extra!!

Reply from Staff

Thank you for your feedback. We really appreciate it. Have a great day!

Miguel R.

August 18th, 2019

Easy to create an account! Awesome!

Reply from Staff

Thank you!

Delsina T.

October 9th, 2020

So helpful. Thank you so much for making this a smooth process.

Reply from Staff

Thank you!

R Rodney H.

January 29th, 2019

Excellent service--I got just the information I needed quickly and reasonably priced. I am glad to know of this service for future needs, as an individual, in this sector. Cheers, RRH

Reply from Staff

We appreciate your business and value your feedback. Thank you. Have a wonderful day!

John V. B.

April 11th, 2019

I have not yet used the site however, I feel that this site could be a big asset to the genealogical community. It is well laid out thus easy to use.

Reply from Staff

Thank you for your feedback. We really appreciate it. Have a great day!

Nancy J.

June 17th, 2020

This is a great service recommended by CSC. I only had one document to e-file. I would recommend to anyone.

Reply from Staff

Thank you for your feedback. We really appreciate it. Have a great day!

Brenda R.

December 21st, 2020

This site was a great help to us. It was worth the money to get it right!

Reply from Staff

We appreciate your business and value your feedback. Thank you. Have a wonderful day!

Dennis S.

November 8th, 2020

Simple quitclaim form, worked perfectly for my area.

Reply from Staff

Thank you!

DENNIS K.

July 22nd, 2020

I am a civil engineer, not an attorney. I deal with easements on a regular basis but not so much on the "recording" side of things. I normally prepare the graphic exhibits that accompany the dedication language but I am not the one who provides that language. Your forms solved that issue for me. Thanks.

Reply from Staff

Thank you!

Walter T.

December 12th, 2020

Awesome thanks

Reply from Staff

Thank you for your feedback. We really appreciate it. Have a great day!