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

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.

What is not required to be disclosed? Minnesota 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 if the home was previously used as an adult-care facility, or the presence of supposed paranormal activity.

Common mistakes sellers make on the disclosure form

Here are some of the most common missteps sellers make when filling out the Minnesota Seller’s Property Disclosure Statement:

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 elaborate.
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 described.

What if you fail to disclose something important?

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

When and how buyers review the disclosure

Under Minnesota’s standard purchase contract, you’re expected to provide a completed Seller’s Property Disclosure Statement within 10 days of contract acceptance. The buyer then has a set review period, usually three to five days, to examine the form and decide whether to move forward, request repairs, or cancel the deal.

Partner with a top Minnesota 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 Minnesota. A top local agent can help you understand what’s required, avoid common pitfalls, and provide expert guidance so you can complete the Seller’s Property Disclosure Statement accurately and confidently.

Unsure where to start? HomeLight’s free Agent Match platform connects you with trusted real estate agents in your Minnesota 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 Minnesota 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.

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