What Disclosures Am I Required to Provide as a Florida Seller?

Understanding Your Legal Disclosure Obligations

Selling your Lake Mary home means understanding Florida's disclosure requirements. After 23 years at HomeSmart Stars guiding over 1,561 team sales through this process, I ensure every client meets their legal obligations while protecting their interests.

Florida's Disclosure Philosophy

Florida follows "caveat emptor" (buyer beware) more than many states. Unlike California or New York requiring extensive written disclosures, Florida's requirements are more limited. However, you still have significant obligations.

Required Disclosures in Florida

Material defects you know about must be disclosed. If you're aware of significant issues—foundation problems, roof leaks, plumbing failures, electrical issues, mold, sinkholes—you must disclose them. Silence isn't an option when you have actual knowledge of material defects affecting property value or safety.

Lead-based paint disclosure applies to homes built before 1978. Federal law requires sellers provide the EPA-approved lead disclosure pamphlet and disclose known lead hazards. This is non-negotiable nationwide.

Homeowners Association information must be provided if your Lake Mary property has an HOA. Buyers receive governing documents, fee schedules, and financial information. Many Seminole County communities have active HOAs requiring substantial disclosure.

Radon gas notice stating Florida has elevated radon levels must be provided (standard language exists).

What You Should Disclose (Even If Not Required)

As a 23-year veteran real estate agent with 45 Google 5-star reviews, Bob McCranie real estate practice includes disclosing anything that might affect a buyer's decision, even if not legally required:

Past repairs and problems that were fixed—roof replacements, plumbing work, electrical upgrades. Transparency builds trust and prevents post-closing disputes.

Insurance claims history helps buyers anticipate their insurance costs. Properties in Longwood and Lake Mary with multiple claims face higher premiums.

Flood zone status should be clearly disclosed. While buyers can research this, proactive disclosure demonstrates good faith.

Nuisance issues—noisy neighbors, barking dogs, traffic noise, nearby commercial development. These aren't legally required disclosures but affect enjoyment of the property.

The "As-Is" Misconception

Many sellers believe "as-is" sales eliminate disclosure obligations. This is false. Even as-is contracts require disclosure of known material defects. "As-is" means you won't make repairs, not that you can hide problems.

Protecting Yourself

When buying in Lake Mary FL 2026 or selling Lake Mary FL homes for sale, comprehensive disclosures protect you from future liability. One undisclosed issue can result in lawsuits costing far more than addressing it upfront.

I provide every seller with disclosure forms and guidance on what to reveal. Better to over-disclose than face litigation.

 

Contact Bob McCranie at HomeSmart Stars | 972-754-0582 | www.FloridaPrideRealty.com for a FREE 2026 Market Strategy Session