{"id":1825,"date":"2026-07-31T02:27:24","date_gmt":"2026-07-31T06:27:24","guid":{"rendered":"https:\/\/ibuyer.com\/blog\/?p=1825"},"modified":"2026-07-31T02:31:11","modified_gmt":"2026-07-31T06:31:11","slug":"what-to-disclose-when-selling-house","status":"publish","type":"post","link":"https:\/\/ibuyer.com\/blog\/what-to-disclose-when-selling-house\/","title":{"rendered":"What to Disclose When Selling a House: 2026 Guide"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">When you sell a home, you must disclose all known material defects and any federally required hazard information to the buyer. The six categories courts and real estate disclosure laws recognize are: <strong>Material Defects<\/strong>, <strong>Lead Paint<\/strong>, <strong>HOA Rules<\/strong>, <strong>Environmental Hazards<\/strong>, <strong>Deaths and Stigma<\/strong>, and <strong>Legal Encumbrances<\/strong>. Sellers who skip or minimize disclosures face rescission, fraud lawsuits, and federal fines up to <strong>$18,364 per violation<\/strong> for lead paint alone.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Disclosure applies only to conditions you actually know about. You are not required to investigate defects you have no knowledge of, and constructive knowledge (&#8220;you should have known&#8221;) does not trigger the duty to disclose in most states. That distinction answers the fear driving most disclosure searches: you are reporting, not confessing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This guide covers what you must legally disclose, the federal lead paint rule that applies in all 50 states, structural and environmental hazards, California&#8217;s specific forms, what not to say during a sale, what you must physically leave behind, and the consequences of getting disclosure wrong.<\/p>\n\n\n\n\n\n<div class=\"card my-5 shadow-lg\">\n  <div class=\"card-body py-md-4\">\n    <div class=\"row align-items-center justify-content-center py-md-3 py-lg-2 py-xl-3\">\n      <div class=\"col-12\">\n        <p class=\"mb-4 h3 text-center\">\n          <span class=\"h4 text-primary font-weight-bold\">Cash Buyers Accept What You Disclose<\/span>\n          <span class=\"mt-2 d-block font-weight-normal text-muted\">Compare competing offers from buyers who won&#x27;t exit after inspection<\/span>\n        <\/p>\n      <\/div>\n\n      <div class=\"col-12\">\n        <div class=\"ui-v2 search-address-form bg-white py-0\">\n          <div class=\"row justify-content-md-center\">\n            <div class=\"col-12 col-md-7 pr-md-2\">\n              <div class=\"input-group mb-0 shadow-sm\">\n                <div class=\"input-group-prepend\">\n                  <div class=\"input-group-text bg-white border-right-0\">\n                    <div class=\"icon\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-geo-alt-fill\" viewBox=\"0 0 16 16\">\n                        <path d=\"M8 16s6-5.686 6-10A6 6 0 0 0 2 6c0 4.314 6 10 6 10zm0-7a3 3 0 1 1 0-6 3 3 0 0 1 0 6z\"><\/path>\n                      <\/svg>\n                    <\/div>\n                  <\/div>\n                <\/div>\n\n                <input type=\"text\" id=\"autocomplete4\" class=\"form-control form-control-lg px-0\" placeholder=\"Enter your home address\" autocomplete=\"off\" v-on:change=\"onAddressChange($event)\" v-on:keydown.enter=\"searchMyAddress($event)\" onfocus=\"this.autocomplete='smartystreets'\">\n\n                <div class=\"input-group-append\">\n                  <div class=\"input-group-text bg-white border-left-0 p-0\">\n                    <button type=\"reset\" id=\"clear-address-btn4\" class=\"btn px-2 h-100\" name=\"clear\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-x\" viewBox=\"0 0 16 16\">\n                        <path d=\"M4.646 4.646a.5.5 0 0 1 .708 0L8 7.293l2.646-2.647a.5.5 0 0 1 .708.708L8.707 8l2.647 2.646a.5.5 0 0 1-.708.708L8 8.707l-2.646 2.647a.5.5 0 0 1-.708-.708L7.293 8 4.646 5.354a.5.5 0 0 1 0-.708z\"><\/path>\n                      <\/svg>\n                    <\/button>\n                  <\/div>\n                <\/div>\n              <\/div>\n\n              <ul class=\"us-autocomplete-pro-menu4 autocomplete-menu\" style=\"display:none;\"><\/ul>\n            <\/div>\n\n            <div class=\"col-12 col-md-auto pl-md-2\">\n              <button type=\"button\" id=\"disabledHomeValue4\" class=\"btn btn-primary btn-lg btn-block mt-3 mt-md-0\" v-on:click=\"searchMyAddress($event)\" disabled=\"\">\n                Get My Home Value\n              <\/button>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <p class=\"h5 mt-4 mb-0 text-center font-weight-bold text-info\">\n          No repairs required, no agent needed, no obligations.\n        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>What to Disclose When Selling<\/h2><ul><li><a href=\"#h-what-do-you-have-to-disclose-when-selling-a-house\" data-level=\"2\">What Do You Have to Disclose When Selling a House?<\/a><\/li><li><a href=\"#h-federal-lead-paint-disclosure-law\" data-level=\"2\">Federal Lead Paint Disclosure Law<\/a><\/li><li><a href=\"#h-structural-and-systems-defects-to-disclose\" data-level=\"2\">Structural and Systems Defects to Disclose<\/a><\/li><li><a href=\"#h-environmental-and-health-hazards-to-report\" data-level=\"2\">Environmental and Health Hazards to Report<\/a><\/li><li><a href=\"#h-legal-financial-and-hoa-disclosures\" data-level=\"2\">Legal, Financial, and HOA Disclosures<\/a><\/li><li><a href=\"#h-deaths-crimes-and-stigmatized-property\" data-level=\"2\">Deaths, Crimes, and Stigmatized Property<\/a><\/li><li><a href=\"#h-what-to-disclose-when-selling-in-california\" data-level=\"2\">What to Disclose When Selling in California<\/a><\/li><li><a href=\"#h-what-not-to-say-when-selling-a-house\" data-level=\"2\">What Not to Say When Selling a House<\/a><\/li><li><a href=\"#h-what-you-legally-must-leave-when-selling\" data-level=\"2\">What You Legally Must Leave When Selling<\/a><\/li><li><a href=\"#h-consequences-of-not-disclosing-properly\" data-level=\"2\">Consequences of Not Disclosing Properly<\/a><\/li><li><a href=\"#h-seller-disclosure-requirements-by-state\" data-level=\"2\">Seller Disclosure Requirements by State<\/a><\/li><li><a href=\"#h-disclosure-protects-you-more-than-it-hurts-you\" data-level=\"2\">Disclosure Protects You More Than It Hurts You<\/a><\/li><li><a href=\"#h-frequently-asked-questions\" data-level=\"2\">Frequently Asked Questions<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 id=\"h-what-do-you-have-to-disclose-when-selling-a-house\" class=\"wp-block-heading\">What Do You Have to Disclose When Selling a House?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">According to <a href=\"https:\/\/www.nar.realtor\/the-facts\/consumer-guide-seller-disclosures\" target=\"_blank\" rel=\"noopener noreferrer\">NAR&#8217;s seller disclosure consumer guide<\/a>, all 50 states have some form of mandatory seller disclosure requirement. The federal floor is lead paint. State law adds more. Here are the six categories that trigger seller disclosure requirements nationally:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Material Defects<\/strong>, any known physical condition that could affect the property&#8217;s value or a buyer&#8217;s decision to purchase, including structural damage, roof failure, and water intrusion.<\/li>\n\n\n\n<li><strong>Lead Paint<\/strong>, mandatory federal disclosure for all homes built before 1978 under Title X, regardless of state law.<\/li>\n\n\n\n<li><strong>HOA Rules<\/strong>, CC&amp;Rs, fees, pending special assessments, and restrictions that govern the property.<\/li>\n\n\n\n<li><strong>Environmental Hazards<\/strong>, mold, asbestos, radon, termites, underground storage tanks, and soil contamination.<\/li>\n\n\n\n<li><strong>Deaths and Stigma<\/strong>, deaths caused by a property defect, violent crimes, and stigmatized property conditions, subject to state-specific rules.<\/li>\n\n\n\n<li><strong>Legal Encumbrances<\/strong>, liens, easements, zoning violations, and pending litigation affecting the property.<\/li>\n<\/ol>\n\n\n\n<h3 id=\"h-disclosure-applies-to-known-defects-only\" class=\"wp-block-heading\">Disclosure applies to known defects only<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You disclose what you know. If a condition is genuinely unknown to you, you are not required to disclose it. Write &#8220;unknown&#8221; on the seller&#8217;s disclosure form rather than guessing. Courts distinguish between active concealment (never acceptable) and honest ignorance (generally protected).<\/p>\n\n\n\n<h3 id=\"h-material-defect-the-legal-threshold\" class=\"wp-block-heading\">Material defect: the legal threshold<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>material defect in real estate<\/strong> is any known condition a reasonable buyer would consider significant when deciding whether to buy or at what price. Foundation cracks, active roof leaks, flooding history, and faulty electrical systems cross this threshold. Scuffed paint and carpet wear do not. When in doubt, disclose. The cost of a disclosed repair negotiation is almost always lower than the cost of a post-closing lawsuit.<\/p>\n\n\n\n<h3 id=\"h-federal-vs-state-disclosure-requirements\" class=\"wp-block-heading\">Federal vs. state disclosure requirements<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Federal law sets the minimum floor, lead paint disclosure under Title X, which applies nationwide. State real estate disclosure laws layer additional requirements on top of that minimum. California mandates a Transfer Disclosure Statement. Texas requires the TREC Seller&#8217;s Disclosure Notice. States without a mandated form still require sellers to disclose material facts in writing, typically using a form from the local association of Realtors.<\/p>\n\n\n\n<h2 id=\"h-federal-lead-paint-disclosure-law\" class=\"wp-block-heading\">Federal Lead Paint Disclosure Law<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.epa.gov\/lead\/real-estate-disclosures-about-potential-lead-hazards\" target=\"_blank\" rel=\"noopener noreferrer\">federal lead paint disclosure rule for home sales<\/a> applies to every residential property built before 1978, in every state, with no local opt-out. This is the one disclosure requirement that follows the property rather than the jurisdiction.<\/p>\n\n\n\n<h3 id=\"h-which-homes-trigger-the-federal-rule\" class=\"wp-block-heading\">Which homes trigger the federal rule<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Any home built before 1978 triggers the <strong>lead-based paint disclosure<\/strong> requirement under Title X. Exemptions are narrow: foreclosure sales, zero-bedroom dwellings (studios counted by sleeping loft, not bedroom count), and housing certified completely lead-free by a certified inspector. If you are selling a post-1978 home, this section does not apply.<\/p>\n\n\n\n<h3 id=\"h-the-lead-disclosure-addendum-form\" class=\"wp-block-heading\">The Lead Disclosure Addendum form<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sellers must complete a <strong>disclosure addendum<\/strong> specifically covering lead-based paint and lead-based paint hazards. The form requires you to state what you know, identify any lead test results you have, and attach any records or reports in your possession. You must also provide buyers with the EPA pamphlet &#8220;Protect Your Family From Lead in Your Home.&#8221; Both requirements apply to sales and leases.<\/p>\n\n\n\n<h3 id=\"h-10-day-buyer-inspection-window\" class=\"wp-block-heading\">10-day buyer inspection window<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Buyers have a 10-day window to conduct a lead paint inspection or risk assessment before the purchase contract becomes binding. Buyers can waive this right in writing, but the seller cannot waive it on their behalf. Keep signed copies of all lead disclosure documents. Violating the federal lead rule carries fines up to <strong>$18,364 per violation<\/strong> under HUD&#8217;s current enforcement schedule.<\/p>\n\n\n\n<h2 id=\"h-structural-and-systems-defects-to-disclose\" class=\"wp-block-heading\">Structural and Systems Defects to Disclose<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Structural and mechanical defects are the highest-volume category on any seller&#8217;s disclosure form. The operational standard is not just &#8220;yes\/no&#8221; but documentation: dates, contractor names, repair receipts, and any warranties for past work. That paper trail is what distinguishes a defensible disclosure from a legal liability.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you are selling an Illinois property with structural issues, <a href=\"https:\/\/ibuyer.com\/blog\/selling-a-distressed-home-in-illinois\/\">selling a distressed home in Illinois<\/a> covers additional options available to sellers who prefer to skip the repair process entirely.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Defect Type<\/th><th>What to Disclose<\/th><th>Documentation to Attach<\/th><\/tr><\/thead><tbody><tr><td>Foundation cracks or settling<\/td><td>Location, size, when first noticed, repairs made<\/td><td>Contractor invoices, engineer reports<\/td><\/tr><tr><td>Roof condition or leaks<\/td><td>Age of roof, known leaks, repairs, replacement date<\/td><td>Contractor receipts, warranty<\/td><\/tr><tr><td>Plumbing issues<\/td><td>Known leaks, pipe material (galvanized, polybutylene), sewer backups<\/td><td>Plumber invoices, inspection reports<\/td><\/tr><tr><td>Electrical system<\/td><td>Panel age, known faults, unpermitted wiring<\/td><td>Electrician reports, permit records<\/td><\/tr><tr><td>HVAC systems<\/td><td>Age, known failures, service history<\/td><td>Service records, warranty<\/td><\/tr><tr><td>Water intrusion or flooding<\/td><td>History of basement flooding, standing water events, dates<\/td><td>Repair receipts, contractor notes<\/td><\/tr><tr><td>Unpermitted work<\/td><td>Any renovation or addition without a permit<\/td><td>Building department records if obtained<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Based on standard seller disclosure form requirements across states with mandatory disclosure laws. Verify current form requirements in your state before listing.<\/em><\/p>\n\n\n\n<h3 id=\"h-foundation-and-roof-issues\" class=\"wp-block-heading\">Foundation and roof issues<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Disclose any known foundation cracking, settling, drainage problems, or structural movement. For the roof, disclose the age, any known leaks, and any repairs made in your ownership period. &#8220;I had it patched in 2021&#8221; with an attached receipt is far better than &#8220;I think it&#8217;s fine.&#8221;<\/p>\n\n\n\n<h3 id=\"h-plumbing-electrical-and-hvac\" class=\"wp-block-heading\">Plumbing, electrical, and HVAC<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Known plumbing leaks, older pipe materials (polybutylene was used widely from the late 1970s through mid-1990s and is prone to failure), electrical panel issues, and HVAC system failures belong on the seller&#8217;s disclosure form. Disclose the approximate age of major systems if you know it. A buyer making an offer with full knowledge of a 22-year-old furnace is less likely to walk after inspection than a buyer who discovers it for the first time.<\/p>\n\n\n\n<h3 id=\"h-unpermitted-renovations-and-additions\" class=\"wp-block-heading\">Unpermitted renovations and additions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Unpermitted work<\/strong> must be disclosed in all states that require a standard disclosure form. Room additions, garage conversions, and basement finishing completed without permits are the most frequently flagged items, particularly on California disclosure forms. Buyers may have difficulty financing a home with unpermitted work, and the local municipality may require the work to be brought up to code or removed. Disclosing upfront prevents post-closing liability and gives buyers the chance to budget for permitting costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you are weighing whether to address a window replacement before listing, <a href=\"https:\/\/ibuyer.com\/blog\/replacing-windows-before-selling-house\/\">replacing windows before selling<\/a> breaks down when the expense pays off versus when disclosure and a price adjustment is the smarter path.<\/p>\n\n\n\n<h3 id=\"h-water-damage-and-basement-flooding\" class=\"wp-block-heading\">Water damage and basement flooding<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Water damage disclosure must cover history, not just current condition. <a href=\"https:\/\/harris-sliwoski.com\/blog\/selling-a-home-in-oregon-what-you-need-to-disclose-and-what-you-dont\/\" target=\"_blank\" rel=\"noopener noreferrer\">Per Oregon disclosure guidance from Harris Sliwoski<\/a>, the standard is to &#8220;provide dates, receipts, and any warranties if available.&#8221; If a seller in the SERP #2 Reddit scenario disclosed observed standing water in an addendum, attaching contractor notes, the date it was observed, and any remediation steps taken would satisfy disclosure obligations in Oregon and is consistent with disclosure best practices in most states.<\/p>\n\n\n\n<h2 id=\"h-environmental-and-health-hazards-to-report\" class=\"wp-block-heading\">Environmental and Health Hazards to Report<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Environmental hazard disclosure follows the same rule as structural defects: disclose what you know. You are not required to test for hazards you have no reason to suspect, but visible conditions generally count as known.<\/p>\n\n\n\n<h3 id=\"h-mold-asbestos-and-radon\" class=\"wp-block-heading\">Mold, asbestos, and radon<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Mold disclosure<\/strong> is required under the material defect standard in most states. According to <a href=\"https:\/\/www.nolo.com\/legal-encyclopedia\/required-disclosures-selling-real-estate-30027.html\" target=\"_blank\" rel=\"noopener noreferrer\">Nolo&#8217;s seller obligations guide<\/a>, courts generally treat visible mold in basements, attics, and under sinks as known even without formal lab testing. California&#8217;s TDS form includes a specific mold disclosure section.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Asbestos<\/strong> disclosure is required if you are aware of its presence. Most states do not require sellers to test before disclosing, but if you know asbestos-containing materials exist in the home (common in popcorn ceilings, floor tiles, and pipe insulation in pre-1980 construction), that knowledge triggers the duty to disclose.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Radon<\/strong> disclosure rules vary by state. If you have had a radon test and the result was at or above 4 pCi\/L (the EPA action level), that result is a material fact and must be disclosed.<\/p>\n\n\n\n<h3 id=\"h-pest-infestations-and-termite-damage\" class=\"wp-block-heading\">Pest infestations and termite damage<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Known termite infestations and wood-destroying insect damage are required disclosures in states with high termite risk, including Florida, Texas, and Georgia. If you have had a pest treatment in the past, disclose the date, the company, and whether a warranty is transferable.<\/p>\n\n\n\n<h3 id=\"h-underground-storage-tanks-and-contamination\" class=\"wp-block-heading\">Underground storage tanks and contamination<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you are aware of an underground storage tank on the property, whether active or abandoned, disclose it. The EPA and many state environmental laws require disclosure of known tanks regardless of their operational status. Contamination from a leaking tank is a material defect that can affect the property&#8217;s insurability and financing.<\/p>\n\n\n\n<h2 id=\"h-legal-financial-and-hoa-disclosures\" class=\"wp-block-heading\">Legal, Financial, and HOA Disclosures<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Legal encumbrances are the category most often overlooked by sellers because they are not visible during a walkthrough. They are, however, binding on buyers, which is exactly why disclosure is required.<\/p>\n\n\n\n<h3 id=\"h-liens-encumbrances-and-easements\" class=\"wp-block-heading\">Liens, encumbrances, and easements<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Disclose any known liens against the property (mechanics&#8217; liens, tax liens, judgment liens), easements that affect how the land can be used (utility easements, shared driveway agreements, right-of-way designations), and any pending litigation involving the property. Buyers who discover an undisclosed lien at closing have grounds for rescission.<\/p>\n\n\n\n<h3 id=\"h-hoa-rules-fees-and-pending-assessments\" class=\"wp-block-heading\">HOA rules, fees, and pending assessments<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>HOA disclosure<\/strong> is required in most states where HOA-governed properties are prevalent, including Florida, Texas, California, Arizona, and Nevada. Sellers must provide the HOA&#8217;s CC&amp;Rs, current fee schedule, financial statements, and any pending special assessments. A buyer who purchases without knowing about a $12,000 pending roof assessment has a strong non-disclosure claim.<\/p>\n\n\n\n<h3 id=\"h-zoning-violations-and-land-use-restrictions\" class=\"wp-block-heading\">Zoning violations and land-use restrictions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you are aware of any zoning violations on the property, a non-conforming use that predates current zoning, or land-use restrictions beyond standard zoning (deed restrictions, conservation easements, historic overlay zones), these must be disclosed. California sellers must additionally disclose Mello-Roos and special tax districts in the TDS and Supplemental Statutory Disclosure per dre.ca.gov guidance.<\/p>\n\n\n\n<h2 id=\"h-deaths-crimes-and-stigmatized-property\" class=\"wp-block-heading\">Deaths, Crimes, and Stigmatized Property<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you must disclose a death depends on your state and the circumstances. There is no single national rule.<\/p>\n\n\n\n<h3 id=\"h-when-death-on-the-property-must-be-disclosed\" class=\"wp-block-heading\">When death on the property must be disclosed<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Texas<\/strong> requires sellers to disclose if a death was caused by a property defect, such as carbon monoxide poisoning from faulty venting, per <a href=\"https:\/\/www.har.com\/blog_142639_what-do-i-have-to-disclose-when-selling-a-home-in-texas-a-clear-guide-for-sellers\" target=\"_blank\" rel=\"noopener noreferrer\">Texas disclosure rules from HAR<\/a>. If there is a material condition tied to the death, disclosure is mandatory. Deaths from natural causes in Texas do not require disclosure.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>California<\/strong> requires disclosure of any death in the home within the past 3 years, with one statutory exemption: deaths attributable to AIDS are not required to be disclosed under California Civil Code. Consult a real estate attorney in your state for current rules before relying on any specific exemption.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most states apply a general &#8220;material fact&#8221; standard: if the death or associated circumstances would affect a reasonable buyer&#8217;s decision, disclose it.<\/p>\n\n\n\n<h3 id=\"h-violent-crimes-and-sex-offender-registries\" class=\"wp-block-heading\">Violent crimes and sex offender registries<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sellers are generally not required to disclose proximity to registered sex offenders. Buyers can research the National Sex Offender Public Website (NSOPW.gov) independently. Violent crimes committed on the property itself are treated differently and may trigger disclosure in states with explicit stigmatized property statutes.<\/p>\n\n\n\n<h3 id=\"h-state-by-state-rules-on-stigmatized-property\" class=\"wp-block-heading\">State-by-state rules on stigmatized property<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Stigmatized property<\/strong> refers to homes where a psychological impairment, rather than a physical defect, may affect buyer perception.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>State<\/th><th>Death \/ Crime Disclosure Rule<\/th><\/tr><\/thead><tbody><tr><td>California<\/td><td>Deaths must be disclosed if within past 3 years; AIDS deaths exempt<\/td><\/tr><tr><td>Texas<\/td><td>Disclose only if death was caused by a property defect or material condition<\/td><\/tr><tr><td>Florida<\/td><td>No statutory requirement to disclose stigma; material fact standard applies<\/td><\/tr><tr><td>New York<\/td><td>Seller discretion on non-physical stigma; agent must not actively misrepresent<\/td><\/tr><tr><td>Georgia<\/td><td>No specific stigmatized property law; material fact standard applies<\/td><\/tr><tr><td>Alaska<\/td><td>No requirement to disclose stigmatized property<\/td><\/tr><tr><td>South Carolina<\/td><td>No affirmative duty to disclose; misrepresentation prohibited<\/td><\/tr><tr><td>Arizona<\/td><td>Explicitly excludes stigmatized conditions from required disclosure<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>State laws change. Verify current disclosure rules with a licensed real estate attorney in your state before listing.<\/em><\/p>\n\n\n\n<h2 id=\"h-what-to-disclose-when-selling-in-california\" class=\"wp-block-heading\">What to Disclose When Selling in California<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">California has the most detailed seller disclosure requirements of any state. <strong>California Civil Code \u00a7\u00a7 1102 through 1102.18<\/strong> governs residential disclosure for 1 to 4 unit properties. Sellers who skip any required form can face rescission and liability.<\/p>\n\n\n\n<h3 id=\"h-transfer-disclosure-statement-tds\" class=\"wp-block-heading\">Transfer Disclosure Statement (TDS)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>Transfer Disclosure Statement (TDS)<\/strong> is California&#8217;s mandatory seller form covering property condition, systems, hazards, neighborhood facts, and any damage the seller is aware of. Both the seller and the listing agent must complete their respective sections independently. The <a href=\"https:\/\/voklaw.com\/blog\/understanding-the-transfer-disclosure-statement-tds-in-california-real-estate-transactions\/\" target=\"_blank\" rel=\"noopener noreferrer\">California Transfer Disclosure Statement requirements<\/a> are administered by the California Department of Real Estate (DRE).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The TDS must be delivered before title transfers. The California Association of Realtors&#8217; standard practice is delivery within 7 days of offer acceptance, though the statutory deadline is pre-close delivery. Sellers who deliver late give buyers grounds to cancel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>TDS California<\/strong> covers: structural issues, room additions, permits, appliance condition, known defects, neighborhood nuisances, and any litigation or legal encumbrances affecting the property.<\/p>\n\n\n\n<h3 id=\"h-natural-hazard-disclosure-report\" class=\"wp-block-heading\">Natural Hazard Disclosure report<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>Natural Hazard Disclosure (NHD)<\/strong> report is required if the property sits in a mapped flood zone, fire hazard severity zone, earthquake fault zone, seismic hazard zone, or state responsibility area for wildfire. Sellers typically order this report through a third-party NHD company. The report is prepared by the NHD company from publicly available hazard maps and is not a seller-authored document.<\/p>\n\n\n\n<h3 id=\"h-supplemental-disclosures-mello-roos-hoa\" class=\"wp-block-heading\">Supplemental disclosures: Mello-Roos, HOA<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">California sellers must also provide HOA and CID (common interest development) documents, Mello-Roos special tax disclosures, and any applicable supplemental statutory disclosures covering military ordnance locations, industrial facilities, and airport influence areas. These are in addition to, not a substitute for, the TDS.<\/p>\n\n\n\n<h2 id=\"h-what-not-to-say-when-selling-a-house\" class=\"wp-block-heading\">What Not to Say When Selling a House<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The phrases that damage your position fall into two categories: statements that create legal liability, and statements that weaken your negotiating leverage. The six to avoid, per <a href=\"https:\/\/www.realtor.com\/advice\/sell\/things-to-never-say-when-selling-home\/\" target=\"_blank\" rel=\"noopener noreferrer\">realtor.com&#8217;s guidance on seller communication<\/a>:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>&#8220;The house is in perfect condition.&#8221;<\/strong> This sets expectations that any inspection finding will contradict. It can be framed as misrepresentation if a significant defect surfaces.<\/li>\n\n\n\n<li><strong>&#8220;We&#8217;re selling it as-is.&#8221;<\/strong> Saying this verbally before negotiation signals to buyers that you are hiding something. An <strong>as-is home sale<\/strong> still requires a completed seller&#8217;s disclosure form. &#8220;As-is&#8221; means you will not make repairs, not that you are withholding information.<\/li>\n\n\n\n<li><strong>&#8220;We were going to fix the [issue].&#8221;<\/strong> This plants the idea of a problem buyers might not have noticed and raises questions about why it was never addressed.<\/li>\n\n\n\n<li><strong>&#8220;We really need to sell quickly.&#8221;<\/strong> Disclosing urgency (divorce, job loss, financial pressure) gives buyers leverage to lower their offer significantly.<\/li>\n\n\n\n<li><strong>&#8220;The house has been on the market for a while.&#8221;<\/strong> Buyers who learn this independently will negotiate harder. Sellers who announce it first lose pricing power before negotiations begin.<\/li>\n\n\n\n<li><strong>&#8220;The neighbors are [any characterization].&#8221;<\/strong> Negative comments about neighbors can expose sellers to fair housing liability and give buyers a reason to walk.<\/li>\n<\/ol>\n\n\n\n<h3 id=\"h-statements-that-invite-liability\" class=\"wp-block-heading\">Statements that invite liability<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Any statement about condition that goes beyond what you can document creates legal exposure. &#8220;The roof is fine&#8221; is an unverifiable representation. &#8220;The roof was replaced in 2019, here is the receipt&#8221; is a documented fact.<\/p>\n\n\n\n<h3 id=\"h-phrases-that-weaken-your-position\" class=\"wp-block-heading\">Phrases that weaken your position<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Motivation, urgency, and market history are negotiating variables. Disclosing them without prompting benefits the buyer, not you.<\/p>\n\n\n\n<h3 id=\"h-when-as-is-signals-backfire\" class=\"wp-block-heading\">When &#8220;as-is&#8221; signals backfire<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Using the phrase &#8220;as-is&#8221; without a completed <strong>property condition disclosure<\/strong> suggests to buyers that you know of problems you do not intend to disclose. In most states, &#8220;as-is&#8221; language in the listing does not reduce your disclosure obligations. Complete the seller&#8217;s disclosure form fully before any &#8220;as-is&#8221; language appears in marketing materials.<\/p>\n\n\n\n<h2 id=\"h-what-you-legally-must-leave-when-selling\" class=\"wp-block-heading\">What You Legally Must Leave When Selling<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The core rule is simple: <strong>fixtures stay, personal property goes<\/strong>. The purchase agreement controls any exceptions.<\/p>\n\n\n\n<h3 id=\"h-fixtures-vs-personal-property-the-rule\" class=\"wp-block-heading\">Fixtures vs. personal property: the rule<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A fixture is any item permanently attached to the property by bolts, screws, nails, glue, or cement. Once something is classified as a fixture, it transfers with the home unless the purchase agreement explicitly excludes it. Personal property is anything free-standing or portable. It leaves with you unless you negotiate otherwise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Fixtures vs. personal property<\/strong> matters most for items in the gray zone: refrigerators, washer\/dryer units, TV mounts, and decorative light fixtures sellers want to take with them. If you intend to take it, exclude it in writing before the contract is signed.<\/p>\n\n\n\n<h3 id=\"h-what-counts-as-a-fixture\" class=\"wp-block-heading\">What counts as a fixture<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Items that stay with the property at closing:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Built-in appliances (dishwasher, oven\/range, microwave installed in cabinetry)<\/li>\n\n\n\n<li>Hardwired light fixtures and ceiling fans<\/li>\n\n\n\n<li>HVAC systems, water heaters, and whole-house generators (if permanently wired)<\/li>\n\n\n\n<li>Bathroom fixtures (toilets, sinks, bathtubs, shower enclosures)<\/li>\n\n\n\n<li>Built-in cabinetry and shelving<\/li>\n\n\n\n<li>Window treatments attached to the wall (blinds, shades, shutters, curtain rods)<\/li>\n\n\n\n<li>Doors and windows<\/li>\n\n\n\n<li>In-ground landscaping (trees, shrubs, in-ground irrigation systems)<\/li>\n\n\n\n<li>Garage door openers and all remote controls<\/li>\n\n\n\n<li>All sets of keys and security system access codes<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Items that go with the seller:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Free-standing refrigerators and washer\/dryer units (unless negotiated to stay)<\/li>\n\n\n\n<li>Portable shelving and furniture<\/li>\n\n\n\n<li>Hanging mirrors and artwork (unless affixed to the wall structurally)<\/li>\n\n\n\n<li>Potted plants and moveable garden elements<\/li>\n\n\n\n<li>Curtains themselves (the fabric panels, not the hardware)<\/li>\n<\/ul>\n\n\n\n<h3 id=\"h-how-the-purchase-agreement-controls\" class=\"wp-block-heading\">How the purchase agreement controls<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The purchase agreement is the final word on what stays and what goes. If you want to take the dining room chandelier (a hardwired fixture), exclude it in the contract before signing. If you want to leave the refrigerator (personal property), add it to the included items list. Oral agreements do not count. Use a written addendum if negotiated after the initial offer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For <strong>fixtures vs personal property<\/strong> questions that arise late in a transaction, a brief email exchange confirming the agreement in writing is sufficient documentation to prevent disputes at closing. Per <a href=\"https:\/\/www.nolo.com\/legal-encyclopedia\/required-disclosures-selling-real-estate-30027.html\" target=\"_blank\" rel=\"noopener noreferrer\">Nolo&#8217;s fixture rules guide<\/a>, the written purchase agreement always supersedes default fixture law.<\/p>\n\n\n\n<h2 id=\"h-consequences-of-not-disclosing-properly\" class=\"wp-block-heading\">Consequences of Not Disclosing Properly<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sellers who omit known material defects face three categories of risk: deal cancellation, post-closing lawsuits, and federal fines.<\/p>\n\n\n\n<h3 id=\"h-rescission-and-deal-cancellation\" class=\"wp-block-heading\">Rescission and deal cancellation<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A buyer who discovers an undisclosed material defect before closing can cancel the contract and recover earnest money. In states with strong disclosure laws, the buyer may also recover costs incurred during due diligence (inspection fees, appraisal costs, legal fees). Rescission is available even after closing in cases of fraudulent concealment.<\/p>\n\n\n\n<h3 id=\"h-fraud-misrepresentation-and-lawsuits\" class=\"wp-block-heading\">Fraud, misrepresentation, and lawsuits<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Post-closing lawsuits are the most common consequence of inadequate disclosure. Buyers who discover an undisclosed defect can sue for damages equal to the cost of repair, or for rescission of the contract. Federal lead paint violations carry fines up to <strong>$18,364 per violation<\/strong> per the <a href=\"https:\/\/www.hud.gov\/contactus\/lead-based-paint-guidelines\" target=\"_blank\" rel=\"noopener noreferrer\">HUD lead hazard control penalty schedule<\/a>. Real estate agents can also face liability for defects they knew about and did not disclose.<\/p>\n\n\n\n<h3 id=\"h-why-full-disclosure-protects-the-seller\" class=\"wp-block-heading\">Why full disclosure protects the seller<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A complete disclosure creates a documented paper trail that is your primary defense against any post-closing claim. A signed acknowledgment from the buyer that they received your completed seller&#8217;s disclosure form, reviewed it, and proceeded to close is extremely difficult to overcome in litigation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In cash buyer transactions on iBuyer.com&#8217;s marketplace, sellers who disclosed known defects upfront rarely lost the deal. Cash buyers evaluate disclosed conditions as part of their offer pricing rather than using them as a walkaway trigger after inspection. Financed buyers, by contrast, often exit during the <strong>home inspection contingency<\/strong> window when an inspection surfaces something their lender&#8217;s appraiser flags. If you have a significant disclosed condition, the buyer type matters as much as the disclosure itself.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sellers who are weighing how to handle significant known conditions before listing can review <a href=\"https:\/\/ibuyer.com\/blog\/selling-a-house-in-poor-condition\/\">selling a house in poor condition<\/a> for a direct comparison of traditional listing versus cash sale outcomes.<\/p>\n\n\n\n<div class=\"schema-howto tend-howto\">\n  <h2 class=\"schema-howto-name\">How to Complete a Seller Disclosure Form<\/h2>\n\n  <p class=\"schema-howto-description\">\n    A step-by-step process for completing a legally compliant seller disclosure and delivering it to the buyer before closing.\n  <\/p>\n\n  <div class=\"schema-howto-steps\">\n    <div class=\"schema-howto-step\" id=\"howto-step-1785479244636\">\n      <strong class=\"schema-howto-step-name\">Step 1: Obtain your state&#8217;s required disclosure form.<\/strong>\n      <div class=\"schema-howto-step-text\">\n        Download the required seller disclosure form from your state&#8217;s real estate commission or licensing authority. For example, California sellers use the Transfer Disclosure Statement (TDS), while Texas sellers use the Seller&#8217;s Disclosure Notice issued by TREC. If your state does not require a specific form, use the standard disclosure form provided by your local association of Realtors.\n      <\/div>\n    <\/div>\n\n    <div class=\"schema-howto-step\" id=\"howto-step-1785479244637\">\n      <strong class=\"schema-howto-step-name\">Step 2: Inspect the property room by room.<\/strong>\n      <div class=\"schema-howto-step-text\">\n        Walk through the property and note any known conditions, including water stains, foundation cracks, previous repairs, appliance problems, or evidence of pest activity. This inspection documents your good-faith effort to disclose all known material facts.\n      <\/div>\n    <\/div>\n\n    <div class=\"schema-howto-step\" id=\"howto-step-1785479244638\">\n      <strong class=\"schema-howto-step-name\">Step 3: Complete every section accurately and honestly.<\/strong>\n      <div class=\"schema-howto-step-text\">\n        Answer each question truthfully and completely. Do not leave sections blank if you have relevant information. Select &#8220;Unknown&#8221; only when you genuinely have no knowledge of the property&#8217;s condition, and avoid making guesses or assumptions.\n      <\/div>\n    <\/div>\n\n    <div class=\"schema-howto-step\" id=\"howto-step-1785479244639\">\n      <strong class=\"schema-howto-step-name\">Step 4: Attach supporting documentation.<\/strong>\n      <div class=\"schema-howto-step-text\">\n        Include repair receipts, inspection reports, contractor invoices, permits, and warranties related to past work. Attach these documents to the disclosure form and identify them clearly with dates and contractor information when applicable.\n      <\/div>\n    <\/div>\n\n    <div class=\"schema-howto-step\" id=\"howto-step-1785479244640\">\n      <strong class=\"schema-howto-step-name\">Step 5: Have your real estate agent complete their required section.<\/strong>\n      <div class=\"schema-howto-step-text\">\n        In states that require it, such as California, the listing agent must independently complete their portion of the seller disclosure based on their own visual inspection and knowledge of the property.\n      <\/div>\n    <\/div>\n\n    <div class=\"schema-howto-step\" id=\"howto-step-1785479244641\">\n      <strong class=\"schema-howto-step-name\">Step 6: Deliver the completed disclosure within the required timeline.<\/strong>\n      <div class=\"schema-howto-step-text\">\n        Provide the completed disclosure form to the buyer within your state&#8217;s required timeframe. In California, it is commonly delivered within seven days of offer acceptance. In many states, the disclosure must be provided before the purchase contract becomes binding. Keep a signed and dated copy after the buyer acknowledges receipt.\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <script type=\"application\/ld+json\">\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"HowTo\",\n    \"name\": \"How to Complete a Seller Disclosure Form\",\n    \"description\": \"A step-by-step process for completing a legally compliant seller disclosure and delivering it to the buyer before closing.\",\n    \"step\": [\n      {\n        \"@type\": \"HowToStep\",\n        \"position\": 1,\n        \"name\": \"Obtain your state's required disclosure form\",\n        \"text\": \"Download the required seller disclosure form from your state's real estate commission or licensing authority. Use the state-approved form when required or your local association of Realtors' standard form if no state form exists.\"\n      },\n      {\n        \"@type\": \"HowToStep\",\n        \"position\": 2,\n        \"name\": \"Inspect the property room by room\",\n        \"text\": \"Walk through the property and document known issues such as water stains, cracks, previous repairs, appliance problems, or pest activity to support a complete disclosure.\"\n      },\n      {\n        \"@type\": \"HowToStep\",\n        \"position\": 3,\n        \"name\": \"Complete every section accurately and honestly\",\n        \"text\": \"Answer each question truthfully, avoid leaving applicable sections blank, and select \\\"Unknown\\\" only when you genuinely have no knowledge of the condition.\"\n      },\n      {\n        \"@type\": \"HowToStep\",\n        \"position\": 4,\n        \"name\": \"Attach supporting documentation\",\n        \"text\": \"Include repair receipts, inspection reports, contractor invoices, permits, and warranties as supporting exhibits to the disclosure form.\"\n      },\n      {\n        \"@type\": \"HowToStep\",\n        \"position\": 5,\n        \"name\": \"Have your real estate agent complete their required section\",\n        \"text\": \"If required by state law, have the listing agent complete their portion of the disclosure based on their own inspection and knowledge of the property.\"\n      },\n      {\n        \"@type\": \"HowToStep\",\n        \"position\": 6,\n        \"name\": \"Deliver the completed disclosure within the required timeline\",\n        \"text\": \"Provide the completed disclosure to the buyer within your state's required timeframe and retain a signed, dated acknowledgment of receipt.\"\n      }\n    ]\n  }\n  <\/script>\n<\/div>\n\n\n\n<aside class=\"ibu-callout ibu-callout-tip\">\n  <strong>Tip:<\/strong> <p>If you are uncertain whether a condition crosses the &#8220;material defect&#8221; threshold, disclose it anyway. A buyer who receives full disclosure and proceeds to close has far less legal standing than one who later claims they were never told. When in doubt, put it on the form.<\/p>\n<\/aside>\n\n\n\n<h2 id=\"h-seller-disclosure-requirements-by-state\" class=\"wp-block-heading\">Seller Disclosure Requirements by State<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Seller disclosure requirements vary significantly by state. Transfer taxes, required form types, and timing rules all differ. If your state has a dedicated disclosure guide, select it below for local specifics.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sellers in New York with disclosure-worthy conditions can also review <a href=\"https:\/\/ibuyer.com\/blog\/selling-a-distressed-home-in-new-york\/\">selling a distressed home in New York<\/a> and <a href=\"https:\/\/ibuyer.com\/blog\/selling-a-distressed-home-in-north-carolina\/\">selling a distressed home in North Carolina<\/a> for state-specific options when a traditional listing is not the right fit.<\/p>\n\n\n\n<h2 id=\"h-disclosure-protects-you-more-than-it-hurts-you\" class=\"wp-block-heading\">Disclosure Protects You More Than It Hurts You<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The fear most sellers carry into the disclosure process is that full honesty will kill the deal. The evidence points the other way. A buyer who closes with a fully disclosed property has very little basis for a post-closing claim. A buyer who discovers an undisclosed defect six months after closing has every basis for one.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Disclose what you know. Document the disclosure with signatures and date stamps. If you have known defects and a financed buyer&#8217;s inspection contingency concerns you, compare your options: cash buyers evaluate disclosed conditions as a pricing variable, not a walkaway trigger. The disclosure does not have to end your sale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Disclosing known defects is the legally required move and the financially smarter one. On iBuyer.com&#8217;s marketplace, you receive competing cash offers from buyers who already account for disclosed conditions in their pricing. There are no inspection contingencies to negotiate around and no agent commissions to absorb. Disclose what you know, compare the offers, and choose the timeline that works for you. See what your home is worth from cash buyers who will not walk because of what you have disclosed.<\/p>\n\n\n\n<div class=\"card my-5 shadow-lg\">\n  <div class=\"card-body py-md-4\">\n    <div class=\"row align-items-center justify-content-center py-md-3 py-lg-2 py-xl-3\">\n      <div class=\"col-12\">\n        <p class=\"mb-4 h3 text-center\">\n          <span class=\"h4 text-primary font-weight-bold\">Known Defects Don&#x27;t Have to Kill Your Sale<\/span>\n          <span class=\"mt-2 d-block font-weight-normal text-muted\">Cash buyers close on disclosed as-is homes in 7 to 30 days<\/span>\n        <\/p>\n      <\/div>\n\n      <div class=\"col-12\">\n        <div class=\"ui-v2 search-address-form bg-white py-0\">\n          <div class=\"row justify-content-md-center\">\n            <div class=\"col-12 col-md-7 pr-md-2\">\n              <div class=\"input-group mb-0 shadow-sm\">\n                <div class=\"input-group-prepend\">\n                  <div class=\"input-group-text bg-white border-right-0\">\n                    <div class=\"icon\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-geo-alt-fill\" viewBox=\"0 0 16 16\"><path d=\"M8 16s6-5.686 6-10A6 6 0 0 0 2 6c0 4.314 6 10 6 10zm0-7a3 3 0 1 1 0-6 3 3 0 0 1 0 6z\"><\/path><\/svg>\n                    <\/div>\n                  <\/div>\n                <\/div>\n\n                <input type=\"text\" id=\"autocomplete5\" class=\"form-control form-control-lg px-0\" placeholder=\"Enter your home address\" autocomplete=\"off\" v-on:change=\"onAddressChange($event)\" v-on:keydown.enter=\"searchMyAddress($event)\" onfocus=\"this.autocomplete='smartystreets'\">\n\n                <div class=\"input-group-append\">\n                  <div class=\"input-group-text bg-white border-left-0 p-0\">\n                    <button type=\"reset\" id=\"clear-address-btn5\" class=\"btn px-2 h-100\" name=\"clear\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-x\" viewBox=\"0 0 16 16\"><path d=\"M4.646 4.646a.5.5 0 0 1 .708 0L8 7.293l2.646-2.647a.5.5 0 0 1 .708.708L8.707 8l2.647 2.646a.5.5 0 0 1-.708.708L8 8.707l-2.646 2.647a.5.5 0 0 1-.708-.708L7.293 8 4.646 5.354a.5.5 0 0 1 0-.708z\"><\/path><\/svg>\n                    <\/button>\n                  <\/div>\n                <\/div>\n              <\/div>\n\n              <ul class=\"us-autocomplete-pro-menu5 autocomplete-menu\" style=\"display:none;\"><\/ul>\n            <\/div>\n\n            <div class=\"col-12 col-md-auto pl-md-2\">\n              <button type=\"button\" id=\"disabledHomeValue5\" class=\"btn btn-primary btn-lg btn-block mt-3 mt-md-0\" v-on:click=\"searchMyAddress($event)\" disabled=\"\">\n                Get My Home Value\n              <\/button>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <p class=\"h5 mt-4 mb-0 text-center font-weight-bold text-info\">\n          Compare offers, skip repairs, close on your timeline.\n        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<h2 id=\"h-frequently-asked-questions\" class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n\n<div class=\"schema-faq tend-faq\"><div class=\"schema-faq-section\" id=\"faq-question-1785479244650\"><strong class=\"schema-faq-question\">What do you legally have to disclose when selling a house?<\/strong> <p class=\"schema-faq-answer\"><p>You must disclose all known material defects that could affect the property&#8217;s value or a buyer&#8217;s decision, plus federal lead paint hazards in homes built before 1978. &#8220;Material defect&#8221; means any condition a reasonable buyer would consider significant. Sellers report what they know; they are not required to investigate conditions they are unaware of. State real estate disclosure laws add categories on top of the federal minimum.<\/p><\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1785479244651\"><strong class=\"schema-faq-question\">What is a material defect in real estate?<\/strong> <p class=\"schema-faq-answer\"><p>A material defect in real estate is any known property condition that could significantly affect the home&#8217;s value or a buyer&#8217;s willingness to purchase, such as foundation damage or active roof leaks. The test is whether a reasonable buyer would consider the condition important to their decision. Minor cosmetic issues (paint scuffs, carpet wear) typically do not qualify. Structural, safety, and habitability problems almost always do.<\/p><\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1785479244652\"><strong class=\"schema-faq-question\">Do you have to disclose a death in the house when selling?<\/strong> <p class=\"schema-faq-answer\"><p>Whether you must disclose a death depends on your state and whether the death was caused by a property defect. Texas requires disclosure if the death resulted from a home defect, such as carbon monoxide poisoning. California requires disclosure of deaths in the home within the past 3 years, with an exemption for AIDS-related deaths. Most states apply a general &#8220;material fact&#8221; standard. Consult a real estate attorney in your state for current rules.<\/p><\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1785479244653\"><strong class=\"schema-faq-question\">What happens if you don&#8217;t disclose something when selling a house?<\/strong> <p class=\"schema-faq-answer\"><p>Failing to disclose a known material defect can result in the buyer rescinding the sale, suing for fraud or misrepresentation, and demanding payment for repairs. Post-closing lawsuits are the most common consequence. Federal lead paint non-disclosure carries fines up to <strong>$18,364 per violation<\/strong> under current <a href=\"https:\/\/www.hud.gov\/contactus\/lead-based-paint-guidelines\" target=\"_blank\" rel=\"noopener noreferrer\">HUD enforcement schedules<\/a>. A completed seller&#8217;s disclosure form signed by the buyer is your primary defense against post-closing claims.<\/p><\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1785479244654\"><strong class=\"schema-faq-question\">Does lead paint have to be disclosed when selling a house?<\/strong> <p class=\"schema-faq-answer\"><p>Yes. Federal law requires sellers of homes built before 1978 to disclose known lead-based paint hazards and provide buyers with an EPA pamphlet before closing. This requirement applies in all 50 states under Title X (1992). Sellers must give buyers a 10-day window to test for lead unless the buyer waives this in writing. Violating the rule carries significant federal penalties.<\/p><\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1785479244655\"><strong class=\"schema-faq-question\">What do you have to disclose when selling a house in California?<\/strong> <p class=\"schema-faq-answer\"><p>California sellers must provide a Transfer Disclosure Statement (TDS) covering the property&#8217;s condition, plus a Natural Hazard Disclosure report if the property sits in a mapped hazard zone. The TDS is required for most 1 to 4 unit residential sales under California Civil Code \u00a7 1102. Additional required disclosures include HOA and CID documents, Mello-Roos special taxes, and supplemental statutory forms. The TDS must be delivered before title transfers, with standard practice being delivery within 7 days of offer acceptance.<\/p><\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1785479244656\"><strong class=\"schema-faq-question\">What not to say when selling a house?<\/strong> <p class=\"schema-faq-answer\"><p>Avoid saying &#8220;the house is in perfect condition,&#8221; &#8220;we&#8217;re selling as-is,&#8221; or disclosing how urgently you need to sell, because each phrase creates legal risk or weakens your negotiating position. Six phrases to avoid: claiming the home is defect-free, using &#8220;as-is&#8221; verbally before negotiations, mentioning repairs you planned but never made, revealing how long the home has been listed, sharing your personal motivation for selling, and making negative comments about the neighborhood. Required legal disclosures are an exception and must always be made.<\/p><\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1785479244657\"><strong class=\"schema-faq-question\">What do you legally have to leave when selling a house?<\/strong> <p class=\"schema-faq-answer\"><p>You must leave all fixtures (items permanently attached to the property), including built-in appliances, hardwired light fixtures, ceiling fans, and HVAC systems. The core rule is: fixtures stay, personal property goes. Landscaping permanently in the ground (trees, shrubs, in-ground irrigation) also stays. Free-standing appliances, curtain fabric, and portable shelving leave with the seller. The purchase agreement controls any exceptions; negotiate exclusions in writing before signing.<\/p><\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1785479244658\"><strong class=\"schema-faq-question\">Do you have to disclose mold when selling a house?<\/strong> <p class=\"schema-faq-answer\"><p>Yes. If you know about mold in the home, you must disclose it as a material defect. Sellers are not required to test for mold they have no reason to suspect, but courts generally treat visible mold in basements, attics, or under sinks as known even without formal testing. California&#8217;s TDS form includes a specific mold disclosure section. When in doubt, disclose.<\/p><\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1785479244659\"><strong class=\"schema-faq-question\">Do as-is home sales still require disclosures?<\/strong> <p class=\"schema-faq-answer\"><p>Yes. Selling a home &#8220;as-is&#8221; does not exempt you from disclosure requirements. You must still disclose all known material defects even in an as-is home sale. &#8220;As-is&#8221; means you will not make repairs. It does not mean you can withhold information about conditions you are aware of. Omitting known defects in an as-is sale carries the same legal liability as in a standard transaction.<\/p><\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1785479244660\"><strong class=\"schema-faq-question\">What is a Transfer Disclosure Statement?<\/strong> <p class=\"schema-faq-answer\"><p>A Transfer Disclosure Statement (TDS) is California&#8217;s mandatory seller form requiring disclosure of all known property conditions before the sale closes. It is required for most 1 to 4 unit residential sales under California Civil Code \u00a7 1102. Both the seller and the listing agent must complete separate sections of the TDS independently. The form covers structural issues, appliance conditions, neighborhood factors, room additions, and any damage the seller is aware of.<\/p><\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1785479244661\"><strong class=\"schema-faq-question\">Are sellers required to disclose unpermitted work?<\/strong> <p class=\"schema-faq-answer\"><p>Yes. If you know that a renovation or addition was completed without a permit, you must disclose it as a material defect. Unpermitted work includes room additions, garage conversions, and basement finishing. Buyers may face difficulty financing a home with unpermitted work, and the local municipality may require the work to be brought up to code or removed. Disclosing upfront prevents post-closing liability and gives buyers the chance to budget for the permitting process.<\/p><\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1785479244662\"><strong class=\"schema-faq-question\">Does HOA information have to be disclosed when selling?<\/strong> <p class=\"schema-faq-answer\"><p>Yes. HOA disclosure is required in most states where HOA-governed properties are common. Sellers must provide CC&amp;Rs, current fee schedules, financial statements, and any pending special assessments before closing. A buyer who purchases without knowing about a pending special assessment has a strong non-disclosure claim. In California and Florida, HOA document delivery has specific timing requirements tied to the purchase contract.<\/p><\/p><\/div><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What do you legally have to disclose when selling a house?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>You must disclose all known material defects that could affect the property's value or a buyer's decision, plus federal lead paint hazards in homes built before 1978. \\\"Material defect\\\" means any condition a reasonable buyer would consider significant. Sellers report what they know; they are not required to investigate conditions they are unaware of. State real estate disclosure laws add categories on top of the federal minimum.<\/p>\"}},{\"@type\":\"Question\",\"name\":\"What is a material defect in real estate?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>A material defect in real estate is any known property condition that could significantly affect the home's value or a buyer's willingness to purchase, such as foundation damage or active roof leaks. The test is whether a reasonable buyer would consider the condition important to their decision. Minor cosmetic issues (paint scuffs, carpet wear) typically do not qualify. Structural, safety, and habitability problems almost always do.<\/p>\"}},{\"@type\":\"Question\",\"name\":\"Do you have to disclose a death in the house when selling?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Whether you must disclose a death depends on your state and whether the death was caused by a property defect. Texas requires disclosure if the death resulted from a home defect, such as carbon monoxide poisoning. California requires disclosure of deaths in the home within the past 3 years, with an exemption for AIDS-related deaths. Most states apply a general \\\"material fact\\\" standard. Consult a real estate attorney in your state for current rules.<\/p>\"}},{\"@type\":\"Question\",\"name\":\"What happens if you don't disclose something when selling a house?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Failing to disclose a known material defect can result in the buyer rescinding the sale, suing for fraud or misrepresentation, and demanding payment for repairs. Post-closing lawsuits are the most common consequence. Federal lead paint non-disclosure carries fines up to <strong>$18,364 per violation<\/strong> under current <a href=\\\"https:\/\/www.hud.gov\/contactus\/lead-based-paint-guidelines\\\">HUD enforcement schedules<\/a>. 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Violating the rule carries significant federal penalties.<\/p>\"}},{\"@type\":\"Question\",\"name\":\"What do you have to disclose when selling a house in California?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>California sellers must provide a Transfer Disclosure Statement (TDS) covering the property's condition, plus a Natural Hazard Disclosure report if the property sits in a mapped hazard zone. The TDS is required for most 1 to 4 unit residential sales under California Civil Code \u00a7 1102. Additional required disclosures include HOA and CID documents, Mello-Roos special taxes, and supplemental statutory forms. The TDS must be delivered before title transfers, with standard practice being delivery within 7 days of offer acceptance.<\/p>\"}},{\"@type\":\"Question\",\"name\":\"What not to say when selling a house?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Avoid saying \\\"the house is in perfect condition,\\\" \\\"we're selling as-is,\\\" or disclosing how urgently you need to sell, because each phrase creates legal risk or weakens your negotiating position. Six phrases to avoid: claiming the home is defect-free, using \\\"as-is\\\" verbally before negotiations, mentioning repairs you planned but never made, revealing how long the home has been listed, sharing your personal motivation for selling, and making negative comments about the neighborhood. Required legal disclosures are an exception and must always be made.<\/p>\"}},{\"@type\":\"Question\",\"name\":\"What do you legally have to leave when selling a house?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>You must leave all fixtures (items permanently attached to the property), including built-in appliances, hardwired light fixtures, ceiling fans, and HVAC systems. The core rule is: fixtures stay, personal property goes. Landscaping permanently in the ground (trees, shrubs, in-ground irrigation) also stays. Free-standing appliances, curtain fabric, and portable shelving leave with the seller. The purchase agreement controls any exceptions; negotiate exclusions in writing before signing.<\/p>\"}},{\"@type\":\"Question\",\"name\":\"Do you have to disclose mold when selling a house?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Yes. If you know about mold in the home, you must disclose it as a material defect. Sellers are not required to test for mold they have no reason to suspect, but courts generally treat visible mold in basements, attics, or under sinks as known even without formal testing. California's TDS form includes a specific mold disclosure section. When in doubt, disclose.<\/p>\"}},{\"@type\":\"Question\",\"name\":\"Do as-is home sales still require disclosures?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Yes. Selling a home \\\"as-is\\\" does not exempt you from disclosure requirements. You must still disclose all known material defects even in an as-is home sale. \\\"As-is\\\" means you will not make repairs. It does not mean you can withhold information about conditions you are aware of. Omitting known defects in an as-is sale carries the same legal liability as in a standard transaction.<\/p>\"}},{\"@type\":\"Question\",\"name\":\"What is a Transfer Disclosure Statement?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>A Transfer Disclosure Statement (TDS) is California's mandatory seller form requiring disclosure of all known property conditions before the sale closes. It is required for most 1 to 4 unit residential sales under California Civil Code \u00a7 1102. Both the seller and the listing agent must complete separate sections of the TDS independently. The form covers structural issues, appliance conditions, neighborhood factors, room additions, and any damage the seller is aware of.<\/p>\"}},{\"@type\":\"Question\",\"name\":\"Are sellers required to disclose unpermitted work?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Yes. If you know that a renovation or addition was completed without a permit, you must disclose it as a material defect. Unpermitted work includes room additions, garage conversions, and basement finishing. Buyers may face difficulty financing a home with unpermitted work, and the local municipality may require the work to be brought up to code or removed. Disclosing upfront prevents post-closing liability and gives buyers the chance to budget for the permitting process.<\/p>\"}},{\"@type\":\"Question\",\"name\":\"Does HOA information have to be disclosed when selling?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Yes. HOA disclosure is required in most states where HOA-governed properties are common. Sellers must provide CC&amp;Rs, current fee schedules, financial statements, and any pending special assessments before closing. A buyer who purchases without knowing about a pending special assessment has a strong non-disclosure claim. In California and Florida, HOA document delivery has specific timing requirements tied to the purchase contract.<\/p>\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>When selling a house, you must disclose material defects, lead paint in pre-1978 homes, and legal issues. See the 2026 checklist.<\/p>\n","protected":false},"author":37,"featured_media":1826,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[193,4],"tags":[],"class_list":["post-1825","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-distressed-homes","category-home-selling"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What to Disclose When Selling a House | iBuyer.com<\/title>\n<meta name=\"description\" content=\"When selling a house, you must disclose material defects, lead paint in pre-1978 homes, and legal issues. 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