What Florida law and Florida courts require you to tell your buyer — with fillable templates and the specific statutes that govern each.
This guide is a plain-English summary, not legal advice. Every Florida real-estate sale should be reviewed by a Florida-licensed real-estate attorney before closing. Attorney review typically costs $500–$1,500 flat — a rounding error against the cost of a missed disclosure surfacing after sale.
Under Johnson v. Davis (Fla. 1985), sellers must disclose all facts materially affecting the property's value that are not readily observable. Practically: any known defect, past repair, unresolved issue, or warranty claim on the structure, systems, or land.
Florida Statute 689.302 requires disclosure of whether the property is in a FEMA-designated flood zone, whether the seller has ever filed a flood-related insurance claim, and whether the seller has received any federal flood disaster assistance.
Federal law (42 U.S.C. 4852d) requires any pre-1978 home be sold with a federal lead-paint disclosure form, a 10-day inspection window for the buyer, and the EPA pamphlet "Protect Your Family From Lead in Your Home."
Florida Statute 720.401 requires that homes governed by a mandatory HOA include a disclosure summary at or before the contract signing. For condos, Florida Statute 718.503 requires full condominium documents (declaration, bylaws, rules, most recent financial statements) be provided to the buyer.
Florida Statute 404.056 requires every contract for sale or lease of a building to contain a specific, verbatim radon gas notice. The language is prescribed by statute; you cannot paraphrase it.
Properties seaward of the Coastal Construction Control Line (CCCL) require disclosure under Florida Statute 161.57. This affects virtually every beachfront residence from Jacksonville to Pensacola.
Not statutorily required, but strongly recommended under the Johnson v. Davis doctrine. Any additions, modifications, or major repairs done without the required building permits should be disclosed, along with any open or expired permits still on county records.
This is the catch-all. Roof leaks, foundation cracks, mold remediation, past water intrusion, pest damage, failed septic inspections, malfunctioning pool systems, code violations. If you know about it and it affects value, disclose it.
The industry-standard Florida form. Use this as your baseline.
Start your listing →Mandatory for homes built before 1978. Attach the EPA pamphlet.
Start your listing →The statutory summary — governs any sale of HOA property.
Start your listing →Copy exactly. Include in the purchase contract itself.
Start your listing →Templates are available inside your listing dashboard once you publish. They auto-populate with your address, county, and parcel data.
