After payoff, confirm the Kit Carson deed-of-trust release

Paying off a loan and clearing its deed of trust from the public record are two steps. In Kit Carson County, the Public Trustee records the release.

The county’s current form is completed by the current owner and holder of the debt, not normally by the homeowner who paid it off. The grantor, beneficiary, deed-of-trust dates, and recording details must match the recorded deed of trust. The holder’s signature must be notarized.

With the standard production form, the holder sends the original note marked paid in full and a valid copy or original of the recorded deed of trust. If the original note cannot be found, the county uses a separate without-production form. That path is limited to the qualified holders and title insurers listed in the county instructions and may require a lost-instruments bond.

After a payoff, ask the lender or current debt holder when it submitted the release. Then confirm with the Public Trustee or the recorded-property records that the release was actually recorded. If an old paid loan still appears in a title search, start with the current holder and the Public Trustee rather than trying to sign the holder’s form yourself.