What Sellers Need to Know About Disclosures

Selling your home isn’t like listing your old couch on Facebook Marketplace. You can’t just label it “used – good condition” and hope for the best.

When it comes to real estate, disclosures matter.

Let’s break down what you need to know—and why full disclosure isn’t just a legal requirement, but one of the best ways to protect yourself during the selling process.

Why Disclosures Matter

In real estate, “what you don’t know can hurt you”—especially if you're the one selling. If there’s something about your property that could affect how someone uses it, lives in it, or values it, you need to say so.

Here’s the golden rule I always tell my clients:
If you’re asking yourself, “Should I disclose this?”—the answer is almost always YES.

Being upfront helps buyers make informed decisions. And more importantly, it shields you from future issues that could pop up after closing.

What to Disclose

If it was fixed, changed, added, repaired, or replaced, disclose it.
That includes:

• Insurance claims (like a new roof or siding)
• Water in the basement
• Cracks in the foundation
• A newly built deck
• Even pets that lived in the home

Yes, even pets. Buyers deserve to know about any history that could impact allergies, flooring condition, or wear and tear.

Who Fills Out the Paperwork?

In Minnesota, the seller is legally responsible for completing the disclosure forms—but your agent (that’s me!) can guide you through each section, answer questions, and help you avoid common mistakes.

The exact documents you’ll need can vary, but often include:

• Property disclosures
• Lead-based paint disclosure (for homes built before 1978)
• Private well disclosures
• Septic system documentation

When to Disclose

Disclose early. Disclose thoroughly. And disclose before your home hits the market.

Sharing key information upfront allows buyers to enter into the transaction with eyes wide open. It prevents surprises later and gives you peace of mind knowing you’ve done your part.

Because here’s the truth:  Buyers can’t come after you for something you already told them.
But if you leave something out? That’s when things get messy.

Bottom Line: Honesty Wins

Selling your home is a big deal—and a legally binding one. A clean, honest disclosure upfront can help you avoid stress, delays, or worse: legal headaches down the road.

If you’re thinking about selling and unsure where to start, I’m happy to walk you through the process and answer any questions.