June 14, 2024

Lost Trust Deed Bond / Lost Note Bond/ Lost Reconveyance Bond

The Lost Trust Deed bond / Lost Note Bond / Lost Deed of Reconveyance bond application needs to be completed and signed by all vested owners and spouses in order to obtain approval for the referenced  lost deed of trust / lost note bond / lost deed of reconveyance surety bond.  A separate application must be completed for each bond request. In addition to the completed application, there is a list of items we will need to underwrite the bond request. Please forward as many items as possible to avoid delays in processing. This bond is for lost deed of trust or defective deed of trusts or lost trust notes or lost reconveyance.


Complete Lost Note Deed Bond App  and include as many of the following items:

  • Copy of Deed of Trust (and Note if available)
  • Complete copy of Preliminary Title Report (Prelim can not be older than 6 months)
  • Proof of Payment (i.e. copies of canceled checks, escrow documents)
  • Chain of Title (Copies of Grant Deeds/Quitclaim Deeds if applicable to verify property vesting)
  • Current Personal-Financial-Statement  – *applies for bond amounts over $5K
  • If property is vested in a trust – please provide a copy of the trust document – note that applicants must sign the application as trustees of the trust and individually
  • Bond amount requirement – this is determined by the original trustee on the note in question and is normally 1 ½ or 2x the value of the note
  • Lost Trust Deed bond / Lost Note bond-Statutory Declaration – our sample form follows – completed and signed by all vested owners- we require a faxed copy of this document…the original document is filed concurrent with bond once approved and issued

If we have evidence that the note has been paid in full, the rate is 1 ½ percent based on the bond amount, subject to a $100.00 minimum premium. If the note is not paid or there isn’t proof of payment available, the premium rate is usually between 2 to 4% or more depending on many factors and based on the bond amount subject to same $100.00 min. premium. Upon approval, we will need the original application and check for the bond premium.


For California:

RLI rate is 1 1/2% with proof of payment to 2% without proof of payment



For Nevada use:

RLI – The bond amount for the State of Nevada is 2x’s the amount of the lien and the premium rate is a flat 2% with or without proof of payment.




For California:

Tokio Marine / HCC Surety rate is between 1 1/2% with proof of payment upto 4% without proof of payment. Bond wording is correct for Placer Title Company.






Should you have any questions, please call us at 916-984-9320. You may also email a copy of documents to: Info@barraganinsurance.com


Barragan Insurance Agency
1132 Suncast Lane Ste 8
El Dorado Hills, CA 95762
Phone: 916-984-9320
Fax: 916-984-8013


Barragan Insurance Agency provides Lost Deed of Trust / Lost Note Bond / Lost Deed of Reconveyance surety bonds for Sacramento and the Northern California region including Folsom, Elk Grove, Rancho Cordova, Carmichael, Antelope, North Highlands, Folsom Ranch, Gold River, Fair Oaks, Woodland, Natomas, Sacramento, Anatolia, Kavala Ranch, Rocklin, Roseville, Lincoln, Loomis, Granite Bay, Galt, Natomas, Davis, West Sacramento, Citrus Heights, Orangevale, El Dorado Hills, Stockton, Modesto, Lodi, Merced, Tracy, Antioch, Dixon, Woodland, Fairfield, Vacaville, Vallejo, Marysville, Yuba City, Linda, Plumas Lakes, Chico, Bakersfield, San Jose, Campbell, Los Angeles, San Diego, San Francisco, Long Beach, Fresno, Oakland, Santa Ana, Anaheim, Placer County, Sacramento County, El Dorado County, Yolo County, San Joaquin County, Sutter County, Northern California, Central California, and Placer County, and other cities and counties within California. We also provide business insurance for those living in Nevada, and beyond.