Essex County Installment Contract for Deed Form (New Jersey)

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

Installment Contract for Deed Form

Essex County Installment Contract for Deed Form

Fill in the blank Installment Contract for Deed form formatted to comply with all New Jersey recording and content requirements.
Included Essex County compliant document last validated/updated 8/15/2024

Installment Contract for Deed Guide

Essex County Installment Contract for Deed Guide

Line by line guide explaining every blank on the Installment Contract for Deed form.
Included Essex County compliant document last validated/updated 8/15/2024

Completed Example of the Installment Contract for Deed Document

Essex County Completed Example of the Installment Contract for Deed Document

Example of a properly completed New Jersey Installment Contract for Deed document for reference.
Included Essex County compliant document last validated/updated 8/15/2024

Sellers Disclosure Form

Essex County Sellers Disclosure Form

Seller discloses known property conditions.
Included Essex County compliant document last validated/updated 8/15/2024

Lead Based Paint Disclosure Form

Essex County Lead Based Paint Disclosure Form

Use for property built after 1978
Included Essex County compliant document last validated/updated 8/15/2024

Annual Accounting Statement Form

Essex County Annual Accounting Statement Form

Issued to buyer for fiscal year reporting of principal, interest, etc.
Included Essex County compliant document last validated/updated 8/15/2024

When using these Installment Contract for Deed forms, the subject real estate must be physically located in Essex County. The executed documents should then be recorded in the following office:

Essex County Register

Hall of Records - 465 Martin Luther King Jr. Blvd, Room 130, Newark, New Jersey 07102

Hours: 8:30am - 4:30pm M-F

Phone: (973) 621-4960

Local jurisdictions located in Essex County include:

  • Belleville
  • Bloomfield
  • Caldwell
  • Cedar Grove
  • East Orange
  • Essex Fells
  • Fairfield
  • Glen Ridge
  • Irvington
  • Livingston
  • Maplewood
  • Millburn
  • Montclair
  • Newark
  • Nutley
  • Orange
  • Roseland
  • Short Hills
  • South Orange
  • Verona
  • West Orange

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

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

Can the Installment Contract for Deed 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 Essex County that you need to transfer you would only need to order our forms once for all of your properties in Essex County.

What are supplemental forms?

Often when a deed is recorded, additional documents are required by New Jersey or Essex 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 Essex County Installment Contract for Deed 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 "Contract for Deed" (also known as an installment land contract, land contract, or contract for sale) is a legal agreement where the buyer makes payments directly to the seller in exchange for the right to use the property. The buyer receives the deed and full ownership of the property only after all payments have been made.

Statutes and Legal Framework:
1. While New Jersey does not have specific statutes solely governing Contracts for Deed, they are generally governed by principles of contract law, real estate law, and consumer protection laws.
Key statutes include the New Jersey Consumer Fraud Act (N.J.S.A. 56:8-1 et seq.), which could apply to the contract if there is any fraud or deception involved.

2. Disclosure Requirements:
Sellers must provide accurate and complete disclosures regarding the property's condition, any liens, and any other material facts. Failing to do so may result in a violation of the Consumer Fraud Act.
If the contract is entered into without full disclosure or under deceptive terms, it may be considered voidable.

3. Recording the Contract:
While it is not always required to record a Contract for Deed, it is strongly advised. Recording the contract protects the buyer's interest in the property against future claims or liens against the seller.

4. Default and Foreclosure:
If the buyer defaults on the contract, the seller may initiate a foreclosure-like process. However, because this is a non-mortgage transaction, the process can vary, and the seller might be able to evict the buyer through summary eviction proceedings rather than formal foreclosure.
In some cases, New Jersey courts have treated Contract for Deed arrangements similarly to mortgages, requiring sellers to undergo judicial foreclosure to reclaim the property.

5. Right to Cure Default:
The contract should clearly state the buyer's rights if they default, including any grace period to cure the default before the seller can take action.

6. Interest Rates and Financing Terms:
The interest rate and financing terms must comply with New Jersey’s usury laws. If the interest rate exceeds the legal limit, the contract could be voided or reformed by a court.

Procedures for Using a Contract for Deed
1. Drafting the Contract:
The contract must include all essential terms: purchase price, payment schedule, interest rate, penalties for default, responsibilities for taxes and insurance, and the date when the deed will be transferred.
Legal counsel is often necessary to ensure that the contract complies with New Jersey law.

2. Execution and Recording:
Both parties must sign the contract, and it should be notarized. Recording the contract with the county clerk where the property is located is advisable.

3. Payment and Maintenance:
The buyer makes monthly installment payments to the seller, who retains legal title until the contract is fully paid.
The buyer takes on responsibilities such as property taxes, insurance, and maintenance.

Terms and uses
1. TITLE AND TITLE INSURANCE. Seller shall provide Buyer with a standard form owner’s policy of title insurance in the amount of the purchase price. The title policy to be issued shall contain no exceptions other than those provided in said standard form plus encumbrances or defects approved by Buyer as provided below.

2. DEED Of CONVEYANCE. Upon receipt of Buyer's payment in full of the balance of the purchase price, Seller shall furnish a General Warranty Deed, conveying to Buyer title to the property.

3. LATE CHARGE: Any above noted payment which is at least days past due, shall be subject to a late charge of $ And an additional $ per day until the payment is received. If any balloon payment is late, it shall be subject to a late fee of $ per day.

4. Uses include residential property, rental property up to 4 units, condominiums, and planned unit developments. Traditional installment payment with or without a balloon payment.

For use in New Jersey only.

Our Promise

The documents you receive here will meet, or exceed, the Essex 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 Essex County Installment Contract for Deed 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.

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