Missouri Deed of Trust Form

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Missouri Deed of Trust Form

A Missouri deed of trust is a document that transfers a real estate title to a third-party trustee to hold as security for a loan between lender and property owner. The title is returned to the owner once the debt is paid in full. This type of deed typically provides the trustee with “power of sale,” authorizing them to initiate a non-judicial foreclosure if the borrower defaults on the loan.

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Last updated May 6th, 2025

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A Missouri deed of trust is a document that transfers a real estate title to a third-party trustee to hold as security for a loan between lender and property owner. The title is returned to the owner once the debt is paid in full. This type of deed typically provides the trustee with “power of sale,” authorizing them to initiate a non-judicial foreclosure if the borrower defaults on the loan.

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A deed of trust must be signed by the grantor and a notary, then recorded with the Recorder of Deeds.[1] The below criteria must be met before recording[2]:

  • White paper with dark or black text
  • 8pt font size minimum
  • 0.75″ margins and a 3″ top margin on the first page

Statute of Limitations/Expiration

Missouri law requires that the beneficiary (lender) and trustee initiate a foreclosure within 10 years of the loan’s maturity date, after which their right to foreclose expires.[3]

Furthermore, after 10 years from the loan due date, any release of a deed of trust or mortgage that has been recorded with the Recorder of Deeds for at least 10 years is valid.[4]

Deed of Trust (Preview)

Sources

  1. §§ 442.130, 442.400
  2. § 59.310(1)
  3. §§ 516.110(1), 516.150
  4. § 443.185