Florida Seller Disclosures: Flood, Property Tax and Radon Notices

Last updated November 14, 2026. Citations come from the Florida statutes and official agency pages linked in Sources. Where we could not confirm something on an official page, we say so.

A Florida seller of residential property must give the buyer a flood disclosure at or before the time the sales contract is signed, plus a property tax summary and, for buildings, a radon notice. Starting February 1, 2027, listing platforms must show estimated property taxes.

Required disclosures

• A seller must complete and provide a flood disclosure to a purchaser of residential real property at or before the time the sales contract is executed; the statutory form asks whether the seller has knowledge of flooding that damaged the property during ownership, whether a flood insurance claim was filed (including NFIP), and whether FEMA or other flood assistance was received. (History: s. 1, ch. 2024-215; s. 2, ch. 2025-166.) (Fla. Stat. Sec. 689.302).
• The flood disclosure form states: 'Homeowners' insurance policies do not include coverage for damage resulting from floods.' (Fla. Stat. Sec. 689.302).
• A prospective purchaser of residential property must be presented a property tax disclosure summary at or before execution of the contract for sale; it is provided by the seller unless included in the contract, and the contract must incorporate it by reference and say the buyer should not sign until reading it. (Fla. Stat. Sec. 689.261(1)-(2))
• The required property tax disclosure reads in part: BUYER SHOULD NOT RELY ON THE SELLER'S CURRENT PROPERTY TAXES AS THE AMOUNT OF PROPERTY TAXES THAT THE BUYER MAY BE OBLIGATED TO PAY IN THE YEAR SUBSEQUENT TO PURCHASE. A CHANGE OF OWNERSHIP OR PROPERTY IMPROVEMENTS TRIGGERS REASSESSMENTS OF THE PROPERTY THAT COULD RESULT IN HIGHER PROPERTY TAXES. (Fla. Stat. Sec. 689.261(1))
• Radon: contracts for sale of buildings must include a radon notification: 'Radon is a naturally occurring radioactive gas that, when it has accumulated in a building in sufficient quantities, may present health risks to persons who are exposed to it over time…' (2025 Florida Statutes). (Fla. Stat. Sec. 404.056)

New listing rule and signing

• Beginning February 1, 2027, any residential property visible on a listing platform must include estimated ad valorem taxes calculated on the listing price at current millage rates (not the current owner's taxes), and the current owner's ad valorem taxes may not appear in printed listing materials. The Department of Revenue must publish the formula and countywide aggregate average millage rates beginning December 15, 2026. (History: s. 39, ch. 2026-239.) (Fla. Stat. Sec. 689.261(3)).
• A conveyance of an interest in real property must be in writing signed in the presence of two subscribing witnesses (a contract to buy is not itself the conveyance). (Fla. Stat. Sec. 689.01(1))

What we could not confirm

• The scope of seller disclosure duties under case law (Johnson v. Davis).
• Earnest money limits not statutory; not confirmed.
• Energy efficiency brochure (s. 553.996) and lead paint disclosure (EPA/HUD) not opened.

How to sell a house in Florida when this applies to you

1. Find out what the title company needs. For an inherited or transferred house, that usually means the recorded document that shows who owns it today.
2. Get a payoff for any mortgage and the amount of any unpaid property tax. Both are paid from the sale proceeds at closing.
3. Compare offers on what you net after repairs, commissions and closing costs, not on the headline price.
4. If you want a fast, simple closing, ask for a written cash offer. We buy houses as-is, with no repairs and no agent commission. See how we buy houses in Florida.

Florida Seller Disclosures FAQ

What disclosures does a Florida seller give?

A flood disclosure (Sec. 689.302), a property tax disclosure summary (Sec. 689.261) and a radon notification for building contracts (Sec. 404.056).

What changes on February 1, 2027?

Residential listings visible on a listing platform must include estimated ad valorem taxes calculated as the statute describes (Sec. 689.261(3)).

Can I sell my Florida house as-is?

Yes. A cash buyer purchases as-is, and the title company pays any mortgage and unpaid property tax from the proceeds at closing.

Sources

• Fla. Stat. Sec. 689.01(1)
• Fla. Stat. Sec. 689.302
• Fla. Stat. Sec. 689.261(1)-(2)
• Fla. Stat. Sec. 404.056

This guide is general information, not legal or tax advice. Laws, forms and fees change, so confirm details with the official office or a Florida Florida attorney or tax professional.