What’s on the Indiana Seller Disclosure Form?

Published on November 26th, 2025
5 min read

Joseph Gordon Editor
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Joseph Gordon is an Editor with HomeLight. He has several years of experience reporting on the commercial real estate and insurance industries.

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You know your Indiana home better than anyone, including its flaws. If you’re planning to sell, you may be wondering how much information you need to disclose on the Indiana Seller Disclosure Form, officially known as the Sales Disclosure Form (SDF).

This form provides potential buyers with a better picture of your property’s condition and history, enabling them to make a more informed decision. Additionally, it can also protect you.

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 offer a downloadable Disclosure Litmus Test to help you identify any red flags.

What is the Indiana seller disclosure form?

The Indiana seller disclosure form, or Sales Disclosure Form, is a document developed by the Indiana Department of Local Government Finance. It’s designed to help you disclose any known issues or facts about your home that could impact its value or a buyer’s decision to proceed.

Indiana 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 Sales Disclosure Form serves as a guide to help you complete this process thoroughly. It covers everything from structural issues and past repairs to neighborhood conditions and HOA rules.

Note: Even if you’re selling a home “as is” in Indiana, you’re still required to be truthful and transparent about what you know.

What’s included in the Indiana seller disclosure form?

Below is a section-by-section summary of what you’ll be asked to disclose when selling a home in Indiana. This will serve as a guideline for what you can expect to find on the disclosure form, but the contents of your actual disclosure form may vary.

Property information

☐ Parcel or tax ID number
☐ Property address and legal description
☐ Whether the parcel involves land only, improvements, or a split

Conditions of the transfer

☐ Type of sale (traditional, land contract, partial interest, trade, vacant land)
☐ Special circumstances (foreclosure, divorce, court order, probate, charity/government transfer)
☐ Any easements or right-of-way considerations

Transaction details

☐ Sale type (auction, short sale, sheriff/tax sale, quitclaim)
☐ Days on market and number of parcels included
☐ Property category (residential, agricultural, commercial, industrial)

Sales and finance data

Residential/agricultural:

☐ Changes to the property since Jan. 1
☐ Whether it’s a rental
☐ Sale price, personal property included, seller-paid costs
☐ Family/business relationship between buyer and seller
☐ Whether seller financing, a mortgage loan, or an appraisal is involved

Commercial/industrial (if applicable):

☐ Whether the sale included a business, liquor license, leased space, or abated property
☐ Appraisal details
☐ How the property was marketed and financed
☐ Any special sale circumstances

Signatures and buyer details

☐ Seller and buyer information and signatures
☐ Whether the buyer will claim deductions (homestead, solar, wind, hydro, geothermal)

Download and print our Disclosure Litmus Test

Use this link to download a printable checklist (62KB) to prepare for completing the Indiana 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 Indiana 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.

What is not required to be disclosed? Indiana law does not require you to disclose if someone died in the home, if a previous occupant had HIV or AIDS, or if a sex offender lives nearby. You’re also not obligated to disclose neighborhood rumors or supposed paranormal activity.

Common mistakes sellers make on the disclosure form

Here are some of the most common mistakes sellers make when completing Indiana’s disclosure form.

Checking “yes” without providing an explanation: If you check a yes box that includes an “Explain” line, not providing the details could stall your home sale.
Guessing instead of explaining: If you’re not sure about something, don’t make assumptions — just state that you don’t know or add an explanation.
Failing to attach supporting documents: Inspection reports, permits, repair invoices, and warranties help verify your disclosures.
Not disclosing repaired issues: Even if you’ve fixed a problem listed on the form, like a roof leak or plumbing issue, it still needs to be reported.
Minimizing or softening the truth: Downplaying a defect can open you up to legal risk if the buyer later discovers the issue was worse than you disclosed.

What if you fail to disclose something important?

If you fail to disclose a known material fact about your Indiana home, the buyer may have grounds to cancel the contract or sue you after the sale. In some cases, nondisclosure can be treated as fraud under Indiana law, especially if the omission appears intentional. Being upfront now helps prevent bigger headaches later.

When and how buyers review the disclosure

Under Indiana’s standard purchase contract, you’re expected to provide a completed SDF within a few days of contract acceptance. The buyer then has a 10-day review period to examine the form and decide whether to proceed, request repairs, or cancel the deal.

Partner with a top Indiana agent to protect your sale

Disclosing your home’s condition is one of the most important — and legally sensitive — parts of the selling process in Indiana. A top local agent can help you understand what’s required, avoid common pitfalls, and provide expert guidance so you can complete the SDF accurately and confidently.

Unsure where to start? HomeLight’s free Agent Match platform connects you with trusted real estate agents in your Indiana market. We analyze over 27 million transactions and thousands of reviews to determine which agent is best for you based on your goals and selling timeline.

See the top real estate agents in 10 Indiana markets:

If you’re buying and selling at the same time, check out HomeLight’s Buy Before You Sell program, which can streamline the entire process so you only move once. Watch this short video to see how it works.

Header Image Source: (iriana88w / Deposit Photos)

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