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Iowa · Code ch. 558AIowa real estate disclosure statement

In Iowa the seller of a one-to-four unit home, or its agent, delivers a written disclosure statement before the seller makes or accepts a written offer (Iowa Code §558A.2). If it is not delivered on time, the buyer may withdraw the offer or revoke the acceptance without liability within 3 days after personal delivery, or 5 days after mail or electronic delivery. From January 1, 2026 the statement must also cover lead service lines.

The rules

  1. When (§558A.2(1))

    Before the seller makes a written offer or accepts one.

  2. How (§558A.2(2))

    Personal delivery, certified or registered mail, or electronic delivery (with acknowledgment of receipt) to the buyer or buyer's agent.

  3. Late delivery

    The buyer may withdraw the offer or revoke the acceptance without liability within 3 days after personal delivery, or 5 days after electronic delivery or mail.

  4. Contents (§558A.4)

    Condition and important characteristics, significant structural defects and – from January 1, 2026 – lead service lines (a galvanized line downstream of lead counts too); the rules may add zoning, systems and pests.

Good to know

  • Amendments follow the same procedure when information becomes inaccurate or is supplemented (§558A.3).
  • Exempt: court-ordered and foreclosure transfers, most fiduciaries, joint tenants, close relatives, divorce, government, quitclaim deeds and transfers by power of attorney (§558A.1).
  • Liability for actual damages only with actual knowledge or lack of ordinary care (§558A.6).

What the TC tracks

  • The statement delivered before the offer – and how it was delivered.
  • If late: 3 days (personal) or 5 days (mail or electronic) for the buyer to withdraw.
  • The lead service line answer on 2026 statements.

Questions about the Iowa disclosure statement

When must the Iowa disclosure statement be delivered?

Before the seller makes a written offer or accepts a written offer (Iowa Code §558A.2(1)).

How long does an Iowa buyer have to withdraw after late delivery?

3 days after personal delivery, or 5 days after electronic delivery or mail (§558A.2(2)).

What changed in the Iowa disclosure in 2026?

From January 1, 2026 the statement must include the presence of lead service lines (§558A.4).

Is a quitclaim deed transfer exempt in Iowa?

Yes, a transfer by quitclaim deed is not a covered transfer under §558A.1.

Can the Iowa disclosure be delivered by email?

Yes, by electronic delivery with acknowledgment of receipt under the Real Estate Commission's rules.

Related guides

Record how and when the disclosure was delivered and add the 3- or 5-day window as a dated task on the deal in ClosingCode.

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Source: Iowa Code ch. 558A, §§558A.1–558A.6 (Iowa Code 2026, legis.iowa.gov, read October 24, 2026).

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