Chapter 04 · Sale
Florida Seller Disclosure Obligations
All information sellers must reveal to buyers in Florida.
Direct answer · 60-second summary
The 60-second version
- F.S. §689.25: mandatory written disclosure
- Defects, water damage, mold
- Litigation, fines, codes violations
- Contracts, HOA fees, reserves
- Liens, mortgages, judgments
- Insurance claims, disasters
- Deadline: 3 days after offer acceptance
- False/incomplete = civil liability
Acronyms used in this guide
- F.S. — Florida Statutes
- HOA — Homeowners Association
- COA — Condominium Owners Association
- FAR/BAR — Florida Realtors / Florida Bar
Written disclosure: F.S. §689.25
Florida sellers MUST provide truthful written property disclosure before or immediately after offer acceptance. 3 days for buyer to review before contingency expiration.
What to disclose: complete list
Property defects, water damage/flooding, mold, lawsuits (owner), city fines, special contracts, easements, cable/utility rights-of-way.
HOA/Condo fees and information
Annual HOA fees, reserve amounts, planned special assessments, use restrictions, community complaint procedures.
Seller liability
False or incomplete disclosure: buyer can sue for damages. Defects discovered post-closing = possible recourse against seller under FAR/BAR terms.
Every figure, rate, threshold, and deadline in this guide is drawn from a verifiable primary source listed at the bottom of the page. The article is updated whenever the underlying rules change, with a fresh review date stamped at the top.
Sources and references
Disclaimer
This guide is for educational purpose only.
For concrete decisions, consult a licensed attorney.