Free Deed of Reconveyance

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Deed of Reconveyance

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Residential

Commercial

Undeveloped land

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Your Deed of Reconveyance

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This document prepared by (and after recording returned to):
Name: ____________________________
Firm/Company: ____________________
Address: __________________________
Phone: ___________________________

Assessor's Property Tax Parcel/Account Number:
__________

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Above this line reserved for official use only

DEED OF RECONVEYANCE

_________________________ of _________________________, (the "Trustee") does hereby certify and declare that the debt or other obligation in the amount of $__________ USD, secured by the Deed of Trust executed by _________________________ of _________________________, (the "Trustor"), the Trustee, and _________________________ of _________________________, (the "Beneficiary"), dated January 19, 2025 and recorded at the Office of the Register of Deeds of __________ on January 19, 2025 as __________________________________, has been FULLY PAID and SATISFIED. The Trustee hereby reconveys unto the Trustor, without warranty, all right, title and interest which was acquired by said Trustee under said Deed of Trust for the real property more particularly described as follows: ___________________________________________________________________________________________________________________________.

EXECUTED by _________________________ on ________ day of ________________, ________.

SIGNED, SEALED, AND DELIVERED in the presence of: ______________________________ WITNESS:			__________________________________ _________________________, Trustee

NOTARY ACKNOWLEDGMENT

STATE OF OHIO

Before me, a Notary Public for the state of Ohio, appeared the above named _________________________, who acknowledged and signed the foregoing Instrument and his/her signing was his/her free act. In Testimony Whereof, I have hereunto subscribed my name and affixed my seal this ________ day of ________________, ________.

______________________________
Notary Public, State of Ohio

______________________________
(print name)

My commission expires ___________

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Deed of Reconveyance Document Preview

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Last Updated December 30, 2024

What is a Deed of Reconveyance?

A Deed of Reconveyance is documentation that the debt secured by a Deed of Trust (a document that allows a third party to hold the title to a property until it is completely paid for) has been fully paid.

The three parties involved in the Deed of Reconveyance are as follows:

Trustor: the person who is paying back the loan so they can own the real property (such as land or a house)

Trustee: the person who acts as a neutral third party and holds the title to the real property until the trustor has paid off the loan

Beneficiary: the person that loaned the money to the trustor so they could purchase the real property

In other words, in a Deed of Reconveyance, the trustee declares that the trustor has paid their loan back to the beneficiary in full, so now the trustor has ownership rights to the real property (e.g. land or house) specified in the Deed of Trust.

A Deed of Reconveyance is also known as a:

Reconveyance of Deed of Trust
Full Reconveyance
Release of Deed of Trust

What is the difference between a Deed of Reconveyance and Satisfaction of Mortgage?

A Deed of Reconveyance states that the debt that was outlined in a Deed of Trust has been fully paid, and a Satisfaction of Mortgage indicates that a mortgage loan that was specified in a Mortgage Agreement has been fully paid.

Essentially, both forms indicate that a debt has been completely paid off, but for different types of documents.

Whether a Deed of Trust or Mortgage Agreement was used depends on the state.

Some states require a Deed of Trust to be filed, some states require a Mortgage Agreement, and some states will accept both as valid documents.

How do you file a Deed of Reconveyance?

A Deed of Reconveyance should be filed with your local county recorder or recorder of deeds once it has been signed by a notary public (such as an attorney).

Once the document has been filed, the debt that was registered to the property will be considered paid off.

It is important to file a Deed of Reconveyance once the debt on a Deed of Trust has been paid, as there may be penalties involved for not filing the document within a reasonable time (generally around 30 days from the date that the final debt payment was made).