Reconveyance not recorded 75 calendar days after satisfaction: title insurance company may record a release of obligation (after 10 days' mailed notice)
75 days after date the obligation secured by the deed of trust was satisfied, under Cal. Civ. Code 2941(b)(3).
Rule text
(3) If a full reconveyance has not been executed and recorded pursuant to either paragraph (1) or paragraph (2) within 75 calendar days of satisfaction of the obligation, then a title insurance company may prepare and record a release of the obligation. However, at least 10 days prior to the issuance and recording of a full release pursuant to this paragraph, the title insurance company shall mail by first-class mail with postage prepaid, the intention to release the obligation to the trustee, trustor, and beneficiary of record, or their successor in interest of record, at the last known address.
Calculate this deadline
Deadline
Thursday, January 21, 2027
- Trigger (Date the obligation secured by the deed of trust was satisfied): Friday, November 6, 2026.
- Exclude the trigger day and count 75 calendar days: Wednesday, January 20, 2027.
- The period includes its last day, so the earliest day to act is the next court day: Thursday, January 21, 2027.
Rules applied
Cal. Civ. Code 2941(b)(3)
(3) If a full reconveyance has not been executed and recorded pursuant to either paragraph (1) or paragraph (2) within 75 calendar days of satisfaction of the obligation, then a title insurance company may prepare and record a release of the obligation. However, at least 10 days prior to the issuance and recording of a full release pursuant to this paragraph, the title insurance company shall mail by first-class mail with postage prepaid, the intention to release the obligation to the trustee, trustor, and beneficiary of record, or their successor in interest of record, at the last known address.Official source
Cal. Code Civ. Proc. 12, 12a, 12b; Cal. Gov. Code 6800, 6707 (state agency filings); Fed. R. Civ. P. 6(a) (federal statutes and federal court filings)
CCP 12: "The time in which any act provided by law is to be done is computed by excluding the first day, and including the last, unless the last day is a holiday, and then it is also excluded." CCP 12a(a): "If the last day for the performance of any act provided or required by law to be performed within a specified period of time is a holiday, then that period is hereby extended to and including the next day that is not a holiday. For purposes of this section, “holiday” means all day on Saturdays, all holidays specified in Section 135 and, to the extent provided in Section 12b, all days that by terms of Section 12b are required to be considered as holidays." Gov. Code 6707: "When the last day for filing any instrument or other document with a state agency falls upon a Saturday or holiday, such act may be performed upon the next business day with the same effect as if it had been performed upon the day appointed." FRCP 6(a): "The following rules apply in computing any time period specified in these rules, in any local rule or court order, or in any statute that does not specify a method of computing time. (1) ... (A) exclude the day of the event that triggers the period; (B) count every day, including intermediate Saturdays, Sundays, and legal holidays; and (C) include the last day of the period, but if the last day is a Saturday, Sunday, or legal holiday, the period continues to run until the end of the next day that is not a Saturday, Sunday, or legal holiday."Official source
- Earliest date a title company may act; it must first mail notice of intent at least 10 days before recording the release. Violation: liability for damages plus a $500 forfeiture (2941(d)). Section amended by Stats. 2003, ch. 62.
- If the clerk's office is closed or inaccessible on the last day (weather, emergency or local closure orders), the deadline may be extended. Check local orders.
This calculator applies the cited rules to the dates you enter. It is not legal advice. Court orders, local rules, and case-specific facts can change a deadline; verify before relying on it. Rule set pending attorney review.
Worked example
Date the obligation secured by the deed of trust was satisfied on Monday, March 15, 2027, personal service: due Wednesday, June 2, 2027.
- Trigger (Date the obligation secured by the deed of trust was satisfied): Monday, March 15, 2027.
- Exclude the trigger day and count 75 calendar days: Saturday, May 29, 2027.
- That day is a Saturday, so the deadline moves to the next court day: Tuesday, June 1, 2027 (Cal. Code Civ. Proc. 12, 12a, 12b; Cal. Gov. Code 6800, 6707 (state agency filings); Fed. R. Civ. P. 6(a) (federal statutes and federal court filings)).
- The period includes its last day, so the earliest day to act is the next court day: Wednesday, June 2, 2027.
Notes
Earliest date a title company may act; it must first mail notice of intent at least 10 days before recording the release. Violation: liability for damages plus a $500 forfeiture (2941(d)). Section amended by Stats. 2003, ch. 62.
Related deadlines
- Deed of trust paid off: beneficiary must deliver request for full reconveyance (with note and deed of trust) to trustee within 30 calendar days after satisfaction (30 days after)
- Deed of trust paid off: trustee must execute and record full reconveyance within 21 calendar days after receiving the request, documents, and fees (21 days after)
- Reconveyance not recorded 60 calendar days after satisfaction: on trustor's written request, beneficiary substitutes trustee and issues full reconveyance (60 days after)
- Mortgage (not deed of trust) satisfied: mortgagee must execute and record certificate of discharge within 30 days (30 days after)
Rules current as of 2026-10-27. Confirm against the official source and any local rule or court order before relying on a date. Rules changelog.