What’s on the Missouri Seller Disclosure Form?
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Joseph Gordon EditorClose
Joseph Gordon EditorJoseph Gordon is an Editor with HomeLight. He has several years of experience reporting on the commercial real estate and insurance industries.
You know your Missouri 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 Missouri seller disclosure form, officially known as the Seller’s Disclosure Statement for Residential Property.
This form provides potential buyers with a clearer picture of your property’s condition and history, enabling them to make a more informed decision. Additionally, it can also protect you from any potential legal hiccups that may occur from failing to disclose the condition of your property.
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 Missouri seller disclosure form?
The Missouri seller disclosure form, or Seller’s Disclosure Statement for Residential Property, is a document developed by the Missouri Association of Realtors. 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.
Missouri 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 Disclosure Statement for Residential Property 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.
Note: Even if you’re selling a home “as is” in Missouri, you’re still required to be truthful and transparent about what you know.
What’s included in the Missouri seller disclosure form?
Below is a section-by-section summary of what you’ll be asked to disclose when selling a home in Missouri. This quick overview can help you know what to expect so you can be prepared and ready. Note that this is just an example of the kind of things that will appear on your disclosure form — the exact details will vary.
Heating, cooling and electrical
Type/age of HVAC systems, fireplaces, fans
Electrical service, panel, and wiring type
Any known issues or repairs
Appliances and fixtures
Working condition of built-ins (dishwasher, microwave, stove)
Water heater, sump pump, softener
Security systems, sprinklers, garage doors
Items not in good working order
Roof and plumbing
Roof age, leaks, repairs
Plumbing materials, water heater details
Sprinkler system, hot tub
Known leaks, backups, or repairs
Water and sewage
Public or well water; well testing
Public sewer, septic, or aerator
Service history and any known problems
Structure and exterior
Foundation, walls, decks, structural components
Siding type, repairs, EFIS or hardboard concerns
Basement/crawl space moisture or past water issues
Pests and soil
Termites/pests, damage, treatments
Soil movement, fill dirt, drainage problems
Environmental hazards
Lead, asbestos, mold, radon
Meth contamination
Tanks, EMFs, other environmental concerns
Insurance and roads
Insurance claims within 5 years
Coverage issues or rate increases
Public/private road access and maintenance agreements
Additional property details
Home age, occupancy history
City inspection requirements
Floodplain status
Encroachments, shared features, unpermitted work
Utility providers
Subdivision or condo items (if applicable)
HOA/condo fees and amenities
Restrictions or violations
Special assessments
Maintenance responsibilities
Boat docks/slips (if applicable)
Included or available docks/slips/lifts
Ownership or lease details
Related assessments or agreements
Other conditions and factors
This is an open-ended section where you can disclose anything not already covered that might affect the home’s value or a buyer’s decision, such as past insurance claims, neighbor disputes, or unusual property quirks.
Additional explanations
This is a freeform space to clarify any earlier answers or provide details that didn’t fit elsewhere. If you marked “yes” to something earlier in the form, this is your opportunity to explain it fully.
Download and print our Disclosure Litmus Test
Use this link to download a printable checklist (62KB) to prepare for completing the Missouri 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 Missouri 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? Missouri law does not require you to disclose if someone died in the home or if a previous occupant had HIV or AIDS. You’re also not obligated to reveal neighborhood rumors, supposed paranormal activity, or personal reasons for selling, unless those reasons conflict with information that needed to be disclosed.
Find a Top Agent to Help You Navigate Disclosures
HomeLight’s free Agent Match platform can connect you with a top-performing agent in your market who can help you navigate your entire home-selling journey — from disclosures to closing.
Common mistakes sellers make on the disclosure form
Here are some of the most common missteps sellers make when filling out the Missouri Seller’s Disclosure Statement for Residential Property:
- 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 described.
What if you fail to disclose something important?
If you fail to disclose a known material fact about your Missouri 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 Missouri law, particularly if the omission appears intentional. Being upfront now helps prevent bigger headaches later.
When and how buyers review the disclosure
Under Missouri’s standard purchase contract, you’re expected to provide a completed Seller’s Disclosure Statement for Residential Property within five days of contract acceptance. The buyer then has a set review period, which varies by contract (usually one to three days), to examine the form and decide whether to move forward, request repairs, or cancel the deal.
Partner with a top Missouri 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 Missouri. 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 Disclosure Statement for Residential Property accurately and confidently.
Unsure where to start? HomeLight’s free Agent Match platform connects you with trusted real estate agents in your Missouri 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.
You’ll find more helpful guides in HomeLight’s Missouri Seller Resource Center.
See the top real estate agents in 10 Missouri markets:
- Top real estate agents in Kansas City
- Top real estate agents in St. Louis
- Top real estate agents in Springfield
- Top real estate agents in Independence
- Top real estate agents in Lee’s Summit
- Top real estate agents in St. Joseph
- Top real estate agents in St. Charles
- Top real estate agents in St. Peters
- Top real estate agents in Blue Springs
- Top real estate agents in Florissant
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: (Nikhil Thomas/ Unsplash)
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