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Florida Seller Disclosure: What You Must Tell Buyers
Florida has no single required statewide disclosure form, but sellers must disclose known material defects and give several specific disclosures. Here's the full list.
Days to go live are business days, counted once every document required of the seller is completed and e-signed.
What to know
The rule: disclose known material defectsUnder Florida case law (Johnson v. Davis), a seller of a home must disclose known facts that materially affect its value and that a buyer can't…
Under Florida case law (Johnson v. Davis), a seller of a home must disclose known facts that materially affect its value and that a buyer can't readily see. A leaking roof, past flooding, a sinkhole repair, or a failed septic system are classic examples. An "as is" contract does not remove this duty.
Specific disclosures that may applyDisclosure When it applies When to give it Flood disclosure All residential sales (since Oct 1, 2024) At or before contract HOA disclosure summary…
| Disclosure | When it applies | When to give it |
|---|---|---|
| Flood disclosure | All residential sales (since Oct 1, 2024) | At or before contract |
| HOA disclosure summary | Home in an HOA community | Before contract |
| CDD disclosure | Home in a community development district | In the contract |
| Condo documents | Condo units | Per the condo contract |
| Lead-based paint | Homes built before 1978 (federal) | Before contract |
| Radon notice | All sales (in standard contracts) | In the contract |
Seller's checklistRoof age, leaks, and repairs Water intrusion, flooding, and mold Sinkhole claims or repairs Plumbing, electrical, and HVAC defects Septic and well…
- Roof age, leaks, and repairs
- Water intrusion, flooding, and mold
- Sinkhole claims or repairs
- Plumbing, electrical, and HVAC defects
- Septic and well problems
- Permits for additions or major work
- HOA or CDD fees and special assessments
With Listagogo, the broker prepares your listing paperwork, disclosures, and addendums; you complete the property questionnaire honestly and sign. For anything unusual, ask a Florida real estate attorney.
Questions, answered
Does Florida require a seller disclosure form?There's no single mandatory statewide form, but sellers must disclose known material defects and give specific disclosures like flood, HOA, and CDD…
There's no single mandatory statewide form, but sellers must disclose known material defects and give specific disclosures like flood, HOA, and CDD where they apply.
Does selling 'as is' mean I don't have to disclose?No. Florida sellers must still disclose known material defects in an as-is sale.
No. Florida sellers must still disclose known material defects in an as-is sale.
What if I don't know about a problem?The duty covers known facts. Answer the property questionnaire honestly and don't guess.
The duty covers known facts. Answer the property questionnaire honestly and don't guess.
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- Florida flood disclosure
- HOA disclosure summary
- CDD disclosure
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Updated October 2026. General information, not legal or tax advice.