Deed of Reconveyance
Release a deed of trust once the debt is paid, by the trustee reconveying the property.
Return title to the owner once a secured loan is paid off.
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- An instrument affecting land is normally recorded with the county where the property is, and a county may require its own cover sheet, margins, print size or additional statements before it will accept one. Check what your county recorder asks for; the file you download is a complete blank-field version of the instrument to complete and take there.
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Key features
The deed of trust being released
Its date, borrower, trustee, lender, recording reference and the amount secured.
The debt has been paid
The lender confirms the debt, with interest and other amounts, has been paid in full on a date.
The lender's request
What the lender delivered to the trustee, such as the note marked as paid and the original deed.
The reconveyance, without warranty
The trustee reconveys its estate without warranty and makes no promise about title.
What is not released, recording and return
The release covers that deed of trust only; who pays for and arranges recording, and where the recorded deed is returned.
About this document
A deed of reconveyance releases a property from a deed of trust after the secured debt has been paid. The trustee, at the lender's request, reconveys the property to the person named, and the form identifies the deed of trust being released by date, parties, recording reference and amount.
This blank form is signed by the trustee and the lender, with an optional witness line and a notary page. It releases that deed of trust only and says nothing about other liens or claims. Who requests a reconveyance, what paperwork goes with it and how it is recorded depend on the state and county, so check with the lender, title company or recorder.
Is this document right for you?
Useful when
- A mortgage secured by a deed of trust has been paid off
- The public record still shows the deed of trust
- A buyer or lender wants the release recorded
Commonly used by
- Borrowers who have repaid loans
- Lenders and trustees
- Title and escrow officers
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Alternatives
These are separate documents, for different jobs.
- Deed of TrustSecure a loan against real property through a trustee.View document
- Lien ReleaseConfirm a lien on property has been released.View document
- Property transfer documentsTransfer ownership of a property to someone else.View document
- Purchase and sale legal reviewHave a lawyer check a property purchase or sale.View document
When to use this
- A homeowner pays off a loan and wants the record cleared
- A private lender confirms payment and requests reconveyance
- A seller needs the old deed of trust released before closing
What happens next
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More in Real Estate Transactions & Transfers
- Gift deedFormally give property to someone as a gift.View document
- Property sale agreementsSet the terms for selling a property.View document
- Property purchase agreementsSet the terms for buying a property.View document
- Property transfer documentsTransfer ownership of a property to someone else.View document
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Questions
About the deed of reconveyance
It is often the lender or trustee, at the borrower's request after payoff. Who does so depends on the loan and the state.
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