You know your Minnesota home better than anyone, including its flaws. If you’re making plans to sell, you may be wondering how much you need to reveal on the Minnesota seller disclosure form, officially known as the Seller’s Property Disclosure Statement.
This form provides potential buyers with a clearer picture of your property’s condition and history, enabling them to make a better decision about its condition. Additionally, it can also protect you from potential legal hiccups.
In this post, we’ll tell you what to expect, how much detail to provide, and what could go wrong if you leave something out. We’ll also provide a downloadable Disclosure Litmus Test to help you identify any red flags.
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What is the Minnesota seller disclosure form?
The Minnesota seller disclosure form, or Seller’s Property Disclosure Statement, is a document developed by the Minnesota Association of Realtors. It’s designed to help you disclose any known issues or facts about your home that could affect its value or a buyer’s decision to move forward.
Minnesota law requires sellers to disclose all material facts — in other words, anything that could impact the buyer’s use or enjoyment of the property. The Seller’s Property Disclosure Statement form acts as a guide to help you do this thoroughly. It covers everything from structural issues and past repairs to neighborhood conditions and HOA rules.
What’s included in the Minnesota seller disclosure form?
Below is a section-by-section summary of what you’ll be asked to disclose when selling a home in Minnesota. This quick overview can help you know what to expect so you can be prepared and ready, but note that this is just an example of what might appear on your form, and the actual contents of your disclosure form may vary.
Property information and general conditions
Property address and occupancy details
Whether the seller has lived on the property
Property boundaries, easements, encroachments, or shared features
Land use restrictions or zoning concerns
Any environmental concerns, including wells, fuel tanks, or hazardous substances
Insurance, flooding, and disaster history
Whether the property is in a flood zone
History of flood insurance or FEMA claims
Any open or past insurance claims
Premium amounts and current insurance provider
Structural elements and modifications
Additions or structural changes
Past or current issues with foundation, walls, or support beams
Any work done without permits
Condition of the flooring, roof age, and past roof repairs
Exterior components: walls, siding, and windows
Siding type and known defects
Window condition or replacement history
Cracking, sagging, or moisture issues
Mechanical systems and appliances
Condition of HVAC systems and age of components
Plumbing system type and known defects
Electrical system condition, fuses vs. breakers, or known hazards
Included appliances and whether they are in working order
Wells, septic systems, and water treatment
Whether the property has a well
Well maintenance and water quality concerns
Septic type, inspections, repairs, or compliance with MN septic code
Water softeners or filtration systems
Legal matters, assessments, and taxes
Special assessments or pending improvement projects
Property tax classification or changes
Liens or unrecorded interests affecting the property
FIRPTA status (foreign investment disclosure requirements)
Environmental and health disclosures
Radon testing results and mitigation system information
Mold, moisture intrusion, or water damage history
Pest issues or infestations
Lead-based paint (for pre-1978 homes)
Other defects or material facts
Any known defects not covered in earlier sections
Conditions that could significantly affect the use or enjoyment of the property
Additional comments the seller wishes to provide
Download and print our Disclosure Litmus Test
Use this link to download a printable checklist (62KB) to prepare for completing the Minnesota seller disclosure form. The questions on this Seller Disclosure Litmus Test reflect the types of details and issues you may need to reveal about your home — and what buyers expect to know.
Check off anything that applies to your Minnesota property. If you’re unsure about something, make a note to ask your real estate agent or investigate further. The goal is to help you think through what needs to be documented and disclosed during the sale process.
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