Reclaiming (?) a property sold on a note. How tough is it?

[Brock W.]

I'm curious about selling a property I own outright "on a note"  IE- keeping banks out of it and selling with 100% owner financing.  My biggest reservation is what happens in the event of a default?  What are the steps necessary to reclaim ownership?  Have I signed over the title after the downpayment or do I retain title until the note is fully paid?  Any info is appreciated.  Thank you!