Understanding Florida’s Property Disclosures as a Buyer
Understanding Florida’s Property Disclosures as a Buyer
When buying a home in Florida, one of the most important documents you’ll receive is the seller’s property disclosure.
It outlines what the seller knows about the home’s condition—and can reveal issues that affect your decision.
Here’s what every Florida buyer needs to know.
What Are Property Disclosures?
In Florida, sellers are required to disclose known facts that materially affect the value of the property and aren’t readily visible.
They must be honest, but they aren’t required to do an inspection.
What Must Be Disclosed in Florida?
Typical disclosures include:
- Roof leaks or past damage
- Termite or pest issues
- Plumbing or electrical problems
- Mold or water intrusion
- Property line or encroachment disputes
- Permitted (or unpermitted) renovations
- Issues with appliances, A/C, or pool systems
If the seller knows about it and it affects value, it must be disclosed.
What’s NOT Required to Be Disclosed?
- Deaths on the property (natural, suicide, or homicide)
- If the seller is a licensed real estate agent (unless they’re also the listing agent)
- Future area development plans
Always ask additional questions—the form isn’t all-inclusive.
What If the Seller Lies or Omits Something?
You may have legal options if the seller knowingly concealed a material issue.
To protect yourself:
- Get a thorough home inspection
- Ask follow-up questions
- Review past permit records
- Walk the property with your agent
Why Inspections Aren’t Enough
Even a clean inspection can miss:
- Intermittent roof leaks
- Occasional septic backups
- Seasonal drainage issues
That’s why seller disclosures are critical—they fill in gaps inspections can’t cover.
Final Thought
Informed buyers ask the right questions and review every page carefully.
📞 Call Michael Renick at 941.400.8735 to go over your property disclosures before moving forward with your Florida home purchase.
How to Read Florida Purchase Contracts
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