Oconee County Deed to Secure Debt and Promissory Note Form (Georgia)

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

Deed to Secure Debt

Oconee County Deed to Secure Debt

Fill in the blank form formatted to comply with all recording and content requirements.
Included Oconee County compliant document last validated/updated 6/28/2024

Deed to Secure Debt Guidelines

Oconee County Deed to Secure Debt Guidelines

Line by line guide explaining every blank on the form.
Included Oconee County compliant document last validated/updated 7/5/2024

Completed Example-Deed to Secure Debt

Oconee County Completed Example-Deed to Secure Debt

Example of a properly completed form for reference.
Included Oconee County compliant document last validated/updated 10/15/2024

Waiver of Borrowers Rights Form

Oconee County Waiver of Borrowers Rights Form

Borrowers confirm they have waived their rights to a judicial foreclosure.
Included Oconee County compliant document last validated/updated 10/10/2024

Promissory Note Form

Oconee County Promissory Note Form

Note that is secured by the Deed to Secure Debt
Included Oconee County compliant document last validated/updated 8/2/2024

Promissory Note Guidelines

Oconee County Promissory Note Guidelines

Line by line guide explaining every blank on the form.
Included Oconee County compliant document last validated/updated 6/5/2024

Completed Example of the Promissory Note Document

Oconee County Completed Example of the Promissory Note Document

Example of a properly completed form for reference.
Included Oconee County compliant document last validated/updated 10/7/2024

Annual Accounting Statement Form

Oconee County Annual Accounting Statement Form

Mail to borrower for fiscal year reporting.
Included Oconee County compliant document last validated/updated 7/5/2024

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

Clerk of Superior Court

Courthouse - 23 North Main St, Rm 208 / PO Box 1099, Watkinsville, Georgia 30677

Hours: 8:00am-5:00pm M-F

Phone: (706) 769-3940

Local jurisdictions located in Oconee County include:

  • Bishop
  • Bogart
  • Farmington
  • Watkinsville

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 Oconee 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 Oconee County using our eRecording service.
Are these forms guaranteed to be recordable in Oconee County?

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

Can the Deed to Secure Debt 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 Oconee County that you need to transfer you would only need to order our forms once for all of your properties in Oconee County.

What are supplemental forms?

Often when a deed is recorded, additional documents are required by Georgia or Oconee 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 Oconee County Deed to Secure Debt 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 to Secure Debt" often called a "Security Deed" that is protected by a "Promissory Note" is the preferred method of financing by Lenders in Georgia. Foreclosures can be done non-judicially saving time and expense. It being intended by the parties that this document shall operate as a deed, not as a mortgage and is made under those provisions of O.C.G.A. Sections 44-14-60 through 44-14-85 to secure the payment of Indebtedness.

There are two parties in this instrument.
"Borrower" means a person who has secured an indebtedness with a security interest in real property or a person who has taken an interest in real property subject to an outstanding security interest in the real property and has notified the holder of the security interest that he has taken the real property and assumed the indebtedness secured by the real property. (Section 44-14-5)(1)

"Lender" means a person who has a security interest in real property, which interest is evidenced by a security deed, a mortgage, a trust deed, a bond for title, or other security document granting a security interest in real property to secure an indebtedness owed to the lender. (Section 44-14-5)(2)

All transfers of deeds to secure debt shall be in writing; shall be signed by the grantee or, if the deed has been previously transferred, by the last transferee; and shall be witnessed as required for deeds. 44-14-64(a) This Document meets Georgia County and State recording requirements

Every deed to secure debt shall be recorded in the county where the land conveyed is located. Every bill of sale to secure debt shall be recorded in the county where the maker, if a resident of this state, resided at the time of its execution and, if a nonresident, in the county where the personalty conveyed is located. Deeds or bills of sale not recorded shall remain valid against the persons executing them. The effect of the failure to record deeds and bills of sale shall be the same as the effect of the failure to record a deed of bargain and sale. 44-14-63(a)
(A deed to secure debt shall not be recorded unless it includes the mailing address of the grantee thereof.) (44-14-63(b))

The Promissory Note is a contract used to evidence the debt owed by the borrower. The borrower promises to pay the lender the agreed amount under certain terms and conditions, these include interest rate, late payments, default interest rate (what the interest rate increases to, after a specified number of days)

Use for Residential Property, Condominiums, Rental Property, Vacant Land, Planned Unit Development and Small Commercial Property.

(Georgia Deed to Secure Debt Package includes forms, guidelines, and completed examples) For use in Georgia Only.



Our Promise

The documents you receive here will meet, or exceed, the Oconee County recording requirements for formatting. If there's an issue caused by our formatting, we'll make it right and refund your payment.

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May 21st, 2020

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December 8th, 2020

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January 25th, 2019

The pdf form is good; however, the input boxes merge into the line above so the text is hard to read when complete. I added a return before entering my data and this solved the problem.

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February 19th, 2019

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June 10th, 2019

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August 10th, 2019

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January 11th, 2019

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July 28th, 2020

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