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Full Reconveyance and Deed of Release

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FULL RECONVEYANCE AND DEED OF RELEASE

Prepared by and after Recording Return to:

Name:

Firm/Company:

Address:

Address 2:

City, State, Zip:

Phone:

Assessor's Property Tax Parcel/Account Number:

--------Above This Line Reserved For Official Use Only--------

FOR VALUABLE CONSIDERATION OF TEN DOLLARS ($10.00), and other good and valuable consideration, cash in hand paid, the receipt and sufficiency of which is hereby acknowledged, Trustee, having been requested in writing by the holder of the obligation secured by the instrument identified below to reconvey the estate granted to the Trustee under said instrument, does hereby reconvey, release and remise to the person or persons legally entitled thereto, without warranty of any kind, all the estate, title and interest acquired by Trustee under said instrument.

Instrument Identified as:

Date of Deed of Trust:

Executed by (Mortgagor(s)):

Original Trustee:

Original Beneficiary("Holder":

Filed of Record: In Book , Page

Document/Instrument No. in the Office of Recorder of

County, Arizona, on (date).

Property:

Given: to secure a certain Promissory Note in the amount of $

payable to Beneficiary.

Assignment (complete if applicable): The undersigned was assigned the Deed of Trust.

by assignment dated and recorded in Book , page

Document No. , in the aforesaid recorder's Office.

IN WITNESS WHEREOF, this instrument was executed, signed and delivered by the undersigned on this the day of , 20

BY:

TITLE:

STATE OF

COUNTY OF

The foregoing instrument was acknowledged before me this (date) by

agent) of

acknowledging) a corporation, on behalf of the corporation.

My Commission Expires:

NOTARY PUBLIC

Print Name:

Mortgagee Name, Address, phone:

Current property Owner(s) Name, Address, phone:

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What a Full Reconveyance and Deed of Release Is

The Full Reconveyance and Deed of Release is a legal instrument used to remove a lender's lien or mortgage from real property after the secured debt has been paid in full. It documents the lender's acknowledgment that the security interest is satisfied and reconveys title or eliminates encumbrance recorded against the property. Typically prepared by the lender or its agent, the document is recorded in the county land records to update the public title record and clear the borrower's title for future transactions or sale.

Why This Document Matters for Clear Title

A Full Reconveyance and Deed of Release restores clear title by formally removing a paid mortgage lien, which reduces title search issues and facilitates refinancing or sale. It provides legal proof for recording and public notice of lien satisfaction.

Why This Document Matters for Clear Title

Who Typically Prepares or Requests a Reconveyance

Typical users include lenders, title companies, escrow officers, and borrowers needing clear title after mortgage payoff.

  • Lenders and loan servicers preparing a reconveyance after confirmed loan satisfaction and release processing.
  • Title companies ensuring chain of title is clear for closing or resale.
  • Borrowers or trustees verifying the lien release is recorded and title defects removed.

Essential Elements of a Professional Reconveyance

Core elements of a professional Full Reconveyance and Deed of Release ensure legal accuracy, clear chain of title, and compliant recording in the county land records.

Parties

Identify lender, borrower, trustee, and any assignees by full legal name and capacity; incorrect names can prevent acceptance by the recorder and cloud title during searches.

Loan Details

Reference original loan number, recorded instrument book and page or document ID, and payoff date so the recorder links the release to the correct encumbrance.

Legal Description

Include the full legal description of the property as recorded, not just the street address, to ensure the reconveyance affects the intended parcel.

Acknowledgment

Provide the lender's formal statement that debt is satisfied, with signature and printed name of authorized officer or trustee and the date of execution.

Notary Block

Include a notary acknowledgment formatted per state requirements, with jurat language, notary signature, commission expiration date, and any witness attestations required for recording.

Recording

Specify the county recorder's office, intended recording instructions, parcel identifier, and request return address; file promptly and confirm recording acceptance to ensure public records reflect the lien release.

Step-by-Step: Preparing and Filing a Reconveyance

Follow these steps to prepare, execute, notarize, and record a Full Reconveyance and Deed of Release correctly and promptly.

  • 01
    Gather Documents: Collect loan payoff, recorded mortgage reference, and legal property description.
  • 02
    Prepare Form: Draft reconveyance naming lender, borrower, loan ID, and effective date.
  • 03
    Notarize: Sign before notary with authorized representative present and commission info.
  • 04
    Record: Submit to county recorder with required fees and return instructions.

Configuring an Online Workflow for Digital Completion

Online workflow settings help ensure the document captures required fields, enforces signer order, and preserves an audit trail for compliance.

Form Field Name and Configuration Options How to configure each field for online signing
Signature Field: Type and Authentication Set required, capture timestamp, allow typed or drawn signature.
Date Field and Format (MM/DD/YYYY) Use MM/DD/YYYY and auto-populate upon signature.
Notary Block: Jurat and County Requirements Include state-specific jurat language and editable commission fields.
Recording Instructions and Return Address Enter target county office and preferred return mailing address.

How the Reconveyance Process Flows

A reconveyance workflow moves from lender payoff confirmation through document execution to notarization and county recording with public notice of lien release.

  • Payoff: Confirm final loan payoff amount and obtain lender authorization to release lien.
  • Prepare: Complete Deed of Release form with exact legal descriptions and lender attestations.
  • Authenticate: Notary and any required witnesses sign acknowledgment per state law.
  • Record: Submit instrument and fees to recorder; obtain recorded document copy.

Platform Requirements for eSubmission and Integration

For eSubmission and distribution, platforms must support PDF/A exports, audit trails, and integrations with title or escrow systems used in real estate closings.

  • File Formats: PDF, DOCX, and print-ready PDF/A supported
  • Integrations: Connect to Salesforce, NetSuite, Google Workspace
  • Authentication: Email, SMS code, or advanced verification

Timing Considerations When Preparing a Reconveyance

Key timing considerations include payoff confirmation, notarization scheduling, county recording windows, and follow-up to confirm recorded status and returned originals.

Confirm Loan Payoff and Date:

Obtain written payoff statement and final payment date from lender before preparing reconveyance.

Schedule Notary Appointment and Verify Availability:

Arrange notarization within state-prescribed timeframes and confirm signatory authority.

County Recorder Estimated Processing Times:

Expect variable recording delays; some counties post recordings within days, others take weeks.

Return of Recorded Document and Copies:

Provide a return address and instructions so the recorder returns the stamped instrument promptly.

Follow-up Verification and Title Search Steps:

Run an updated title search after recording to confirm the lien no longer appears.

Key Milestones from Payoff to Recorded Release

Sequential milestones show key processing stages from payoff to recorded release so stakeholders can plan tasks and confirm completion.

01

Payoff Receipt

Lender issues written payoff statement and authorizes release.

02

Document Preparation

Draft reconveyance and attach necessary loan documents and legal description.

03

Execution & Notarization

Authorized signatory signs before notary; notary completes acknowledgment.

04

Recording Confirmation

Recorder stamps instrument and returns recorded copy to listed address.

Common Preparation Mistakes to Avoid

  • Using the street address instead of the full legal description can cause the county recorder to misfile the reconveyance and fail to clear the intended parcel.
  • Omitting the original instrument book and page or document identification prevents indexing and may leave the mortgage appearing active in title searches.
  • Using an incorrect lender name or failing to show assignment history introduces chain-of-title disputes that can require litigation to resolve.
  • Signing without proper authorization, incorrect notary acknowledgment, or missing witness attestations are common causes of recording rejections and voidable releases.

Security and Compliance Considerations for Digital Execution

Encryption: TLS 1.2/1.3 in transit; AES-256 at rest
Certifications: SOC 2 Type II, ISO 27001, PCI DSS
Privacy: GDPR and CCPA compliance frameworks
Healthcare: HIPAA-compliant with BAA available
FDA/CSV: 21 CFR Part 11 support available
Accessibility: WCAG 2.0 Level AA compliance

Risks and Consequences of an Incorrect Reconveyance

Recording Rejection: County recorder may refuse recording
Title Clouding: Uncleared encumbrance remains
Delayed Closings: Closings and refinances delayed
Liability Risk: Lender or trustee exposed to claims
Fraud Exposure: Incorrect or forged releases risk fraud
Costs: Re-recording, attorney, and court costs

Baseline Pricing and Feature Comparison for eSignature Vendors

Compare baseline pricing and feature availability for common eSignature vendors to estimate costs and required capabilities for recording and executing reconveyances.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial 7-day free trial, no credit card required Varies by offering and plan Varies by offering and plan Varies by offering and plan Varies by offering and plan
Bulk Send Yes (Business Premium and up) Varies by plan and vendor Varies by plan and vendor Varies by plan and vendor Varies by plan and vendor
Audit Trail Yes — complete audit trail and certificate Yes — audit trail and timestamps Yes — audit trail and timestamps Yes — audit trail provided Yes — audit trail provided
HIPAA Compliant Yes — HIPAA compliant with BAA available Varies — BAA may be offered Varies — BAA may be offered Varies by plan and use case Varies by plan and use case

FAQs — Common Questions About Reconveyance Preparation and Recording

Answers to frequently asked questions about preparing, signing, notarizing, and recording a Full Reconveyance and Deed of Release for U.S. real property.


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