Richmond County Deed of Trust and Promissory Note Form (Virginia)

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

Deed of Trust Form

Richmond County Deed of Trust Form

Fill in the blank form formatted to comply with all recording and content requirements.
Included Richmond County compliant document last validated/updated 9/5/2024

Deed of Trust Guidelines

Richmond County Deed of Trust Guidelines

Line by line guide explaining every blank on the form.
Included Richmond County compliant document last validated/updated 9/20/2024

Completed Example of the Deed of Trust

Richmond County Completed Example of the Deed of Trust

Example of a properly completed form for reference.
Included Richmond County compliant document last validated/updated 9/23/2024

Promissory Note Form

Richmond County Promissory Note Form

Note that is secured by the Deed of Trust.
Included Richmond County compliant document last validated/updated 10/17/2024

Promissory Note Guidelines

Richmond County Promissory Note Guidelines

Line by line guide explaining every blank on the form.
Included Richmond County compliant document last validated/updated 11/18/2024

Completed Example of the Promissory Note Document

Richmond County Completed Example of the Promissory Note Document

Example of a properly completed form for reference.
Included Richmond County compliant document last validated/updated 10/4/2024

Subordination Agreements

Richmond 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.
Included Richmond County compliant document last validated/updated 10/15/2024

Annual Accounting Statement

Richmond County Annual Accounting Statement

Mail to borrower for fiscal year reporting. (A request for payoff information under this section may be made one time within a 12-month period without charge) (6.2-418)
Included Richmond County compliant document last validated/updated 6/4/2024

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

Richmond County Circuit Court Clerk

101 Court Circle / PO Box 1000, Warsaw, Virginia 22572-0956

Hours: 9:00 AM - 5:00 PM Monday through Friday

Phone: (804) 333-3781

Local jurisdictions located in Richmond County include:

  • Farnham
  • Haynesville
  • Sharps
  • Village
  • Warsaw

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

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

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

What are supplemental forms?

Often when a deed is recorded, additional documents are required by Virginia or Richmond 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 Richmond County Deed of Trust 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 of Trust (DOT), is a document that conveys title to real property to a trustee as security for a loan until the grantor (borrower) repays the lender according to terms defined in an attached promissory note. It's similar to a mortgage but differs in that mortgages only include two parties (borrower and lender).
In the Commonwealth of Virginia, a Deed of Trust is the most commonly used instrument to secure a loan. Foreclosure can be done non-judicially, saving time and expense. This process is called a Trustee Sale.
There are three parties in this Deed of Trust:
1- The Grantor (Borrower)
2- Beneficiary (Lender) and a
3- Trustee (Neutral Third Party) (Our guidelines will show how to choose a Trustee at little to no cost)
Basic Concept. The Trustor (Borrower) conveys property title to a Trustee (Neutral Party). A Trustee or beneficiary/Lender can take an action against any person for damages.

Due on Sale Clause: It allows the lender to call or modify the loan if the borrower conveys/sells the property. ("Notice - The debt secured hereby is subject to call in full or the terms thereof being modified in the event of sale or conveyance of the property conveyed.") Required format where (any loan is secured by a mortgage or deed of trust on real property comprised of one- to four-family residential dwelling units.) (VA. Revised Statutes 6.2-417)

These forms are flexible, they can be used for financing residential property, agricultural property, rental property, condominiums, and or small office buildings, with or without existing liens and encumbrances.

A "Special Provisions" section is included for any information specific to your transaction.

The Promissory Note offers options of financing, conventional installments, or installments combined with a balloon payment, common with Owner Financing transactions. Late Charges and Default rates are set within.
(Any lender or seller may impose a late charge for failure to make timely payment of any installment due on a debt, whether installment or single maturity, provided that such late charge does not exceed five percent of the amount of such installment payment and that the charge is specified in the contract between the lender or seller and the debtor.) (6.2-400 (B))

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, which fee shall be due at the time this Note is otherwise paid in full. The "Overdue Loan Fee" shall be determined based upon the outstanding principal balance of this Note as of the Maturity Date and shall be:
(a) one percent (1.0%) Of such principal balance if the Note is paid in full on or after thirty (30) days after the Maturity Date but less than sixty (60) days after the Maturity Date, or
(b) two percent (2.0%) of such principal balance if the Note is paid in full on or after sixty (60) days after the Maturity Date.

A Deed of Trust secured by a Promissory Note that includes stringent default terms, can be advantageous to the Lender and favorable to Owner Financing.

(Virginia DOT Package includes forms, guidelines, and completed examples) For use in the Commonwealth of Virginia only.


Our Promise

The documents you receive here will meet, or exceed, the Richmond 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 Richmond 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 - ( 4434 Reviews )

James S.

November 21st, 2024

Forms used, created quitclaim deed that the county accepted without a second look (turns out they see deeds.com forms regularly via erecording and in person). Will be back for any real estate related forms I need and they carry. Will always be my first stop. Also, will use erecording next time, mad I didn't see it this time.

Reply from Staff

Thanks for the kind words James, glad we could help. Look forward to seeing you again.

Thomas G.

November 21st, 2024

Wasn’t what I expected

Reply from Staff

Sorry to hear that your expectations were missed. Your order has been canceled. We do hope that you find something more suitable to your expectations elsewhere. Do keep in mind that purchasing legal forms should not be an exploratory endeavor.

Jimmy P.

November 20th, 2024

They sent me everything I would need to do this. Easy purchase -Easy download. Great!! I'll be back here for all my document needs.

Reply from Staff

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

Brian O.

June 27th, 2020

It's an instant download. I was very pleased that it included instructions and any necessary additional forms. Much easier than spending 3 hours on a county assessor's website searching for every single form. A good deal and I don't know how Deeds.com keeps up with thousands of counties. The fillable .pdf capability is a great enhancement.

Reply from Staff

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

Linda M L.

September 7th, 2023

Easy to use, documents look good, but pretty expensive.

Reply from Staff

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

CARRIE T.

March 10th, 2022

Thought it was pretty simple to use.

Reply from Staff

Thank you!

Larry L.

January 20th, 2022

I am completely satisfied. It was easy to find the correct form and download it. The instructions were very clear.

Reply from Staff

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

Vernon H.

March 3rd, 2020

Great process and very easy to complete

Reply from Staff

Thank you!

Yvette D.

January 15th, 2021

Excellent service and customer support. Thank you for your help and time.

Reply from Staff

Thank you!

Dana G.

July 22nd, 2021

This service is WONDERUL. I spent 14 years trying to get a deed recorded properly. Deeds.com kept submitting and resubmitting after corrections until it was finally accepted. They did in one day what I couldn't get done in 14 years!

Reply from Staff

Thank you!

Angel T.

August 26th, 2021

First the convenience to get forms without going or calling Recorder's office is outstanding.

Suggest that Recorder's staff be able to guide or assist users in filling up the forms.

Reply from Staff

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

Karen G.

January 22nd, 2021

Not difficult at all! Which is great for me...

Reply from Staff

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

Katherine M.

June 26th, 2019

Very helpful!

Reply from Staff

Thank you!

Randy H.

May 12th, 2019

Love this has all forms you need

Reply from Staff

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

Dana Y.

October 22nd, 2019

Purchased and used the quitclaim form. I have no complaints with any aspect. The forms, instructions, and example all came together to make the process very easy.

Reply from Staff

Thank you Dana. Have a great day!