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Florida · statutesFlorida seller disclosure requirements

A Florida home sale carries several statutory disclosures, most due at or before the contract is signed: the flood disclosure (§689.302), the property tax disclosure summary (§689.261) and the radon notice (§404.056). In a mandatory HOA community the buyer must get the HOA disclosure summary before signing, or may cancel within 3 days after receiving it (§720.401); in a condo resale the buyer may cancel within 7 days, excluding weekends and legal holidays, after receiving the condominium documents (§718.503).

At or before the contract

  1. Flood disclosure (§689.302)

    The seller completes and gives the buyer a flood disclosure at or before the contract is executed: whether the seller knows of flooding that damaged the property during its ownership, filed a flood insurance claim (including with the National Flood Insurance Program), or received flood assistance (including from FEMA). It reminds the buyer that homeowners' policies do not cover flood damage.

  2. Property tax summary (§689.261)

    A disclosure summary at or before the contract: the buyer should not rely on the seller's current taxes – a change of ownership or improvements trigger reassessment. Beginning February 1, 2027, listing platforms must show estimated taxes without using the current owner's taxes.

  3. Radon (§404.056(5))

    The statutory radon gas notice on at least one document signed at or before the contract.

Associations: the cancellation rights

  1. HOA summary (§720.401)

    In a community with mandatory HOA membership, the buyer must be presented the disclosure summary before executing the contract. If not, the buyer may void the contract by written notice within 3 days after receiving it or before closing, whichever comes first. The right cannot be waived and ends at closing.

  2. Condo resale (§718.503(2))

    The buyer is entitled, at the seller's expense, to the declaration, articles, bylaws and rules, the annual financial statement and budget, the FAQ document, and – where applicable – the milestone inspection summary and the structural integrity reserve study (or a statement that none was completed).

  3. 7 days for condos

    Unless the buyer received the documents more than 7 days (excluding Saturdays, Sundays and legal holidays) before signing, the contract is voidable by written notice within 7 such days after signing and receiving them. The buyer may extend closing by up to 7 such days after receiving them; the right ends at closing.

  4. Inspections in the contract

    Since January 1, 2025, a condo resale contract must state whether the association is required to have a milestone inspection or a structural integrity reserve study and whether it has completed it.

What the TC tracks

  • Flood, property tax and radon disclosures signed at or before the contract.
  • HOA community? The disclosure summary before the buyer signs – or a 3-day window after delivery.
  • Condo? The date the buyer received the documents – it starts the 7-day window (business days, not calendar days).
  • The milestone inspection and reserve study status for condo buildings.
  • Each cancellation window on the deal timeline next to the inspection period.

Questions about Florida seller disclosures

Is a flood disclosure required in Florida?

Yes. Under §689.302 the seller of residential property gives the buyer a flood disclosure at or before the contract is executed.

How long does a buyer have to cancel after receiving the HOA disclosure in Florida?

If the summary was not provided before signing, 3 days after receiving it or until closing, whichever comes first (§720.401).

How long is the condo document review period in Florida?

7 days, excluding Saturdays, Sundays and legal holidays, after signing and receiving the documents, unless they were received more than 7 such days before signing (§718.503(2)).

Does Florida require a radon disclosure?

Yes, the statutory radon notice must appear on at least one document signed at or before the contract (§404.056(5)).

Can the buyer waive the HOA or condo cancellation right?

No. Both statutes make a waiver of the voidability right ineffective; both rights end at closing.

Florida guides

Add each Florida disclosure and its cancellation window as dated tasks on the deal in ClosingCode – next to the inspection period, with reminders.

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Sources: Florida Statutes §§720.401, 718.503(2), 689.302, 689.261 and 404.056(5) (leg.state.fl.us, read October 24, 2026).

General information, not legal advice. ClosingCode is software; it is not a law firm or brokerage.