You know your Iowa home better than anyone — warts and all. If you plan to sell, you may be curious how much you need to reveal on the Iowa seller disclosure form, officially known as the Seller Property Condition Disclosure.
This form gives potential buyers a better picture of your property’s condition and history so they can make a more informed decision, but 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 provide a downloadable Disclosure Litmus Test to help you identify any red flags.
What's Your Iowa Home Worth?
Get a near-instant real estate house price estimate from HomeLight for free. Our tool analyzes the records of recently sold homes near you, your home’s last sale price, and other market trends to provide a preliminary range of value in under two minutes.
What is the Iowa seller disclosure form?
The Iowa seller disclosure form, or Seller Property Condition Disclosure, is a 4-page document developed by the Iowa Association of Realtors. It’s designed to help you disclose any known issues or facts about your home that could affect its value or a buyer’s decision to move forward.
Iowa 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 Property Condition Disclosure 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.
What’s included in the Iowa seller disclosure form?
Below is a section-by-section summary of what you’ll be asked to disclose when selling a home in Iowa. This quick overview can help you know what to expect so you can know what to expect. Note that this is just a brief overview of what appears on the form, not a comprehensive list.
Basement and Foundation
No known water or foundation problems; explain if yes.
Roof
No known problems; note any repairs/replacement with date.
Well and pump (if any)
No known issues; list repairs with date.
Water test date and results (if tested).
Septic tanks / Drain fields (if any)
No known issues; include tank location and last cleaning date.
Sewer System (if public)
No known issues; note repairs with date.
Heating Systems
No known issues; note repairs with date.
Central Cooling Systems
No known issues; note repairs with date.
Plumbing
No known issues; note repairs with date
Electrical
No known issues; note repairs with date
Pest Infestation
No known infestation; add treatment dates and any damage/repairs
Asbestos
None known; if present, explain where.
Radon
Test date and results (if tested); none known if not.
Lead-Based Paint
None known; disclose if known/presumed.
Flood Plain
In a flood plain? If yes, list designation.
Zoning
Zoning classification (if known).
Covenants / Homeowner’s Association (HOA)
Subject to covenants/HOA? Attach or say where to obtain.
Shared or Co-Owned Features
Note shared items (walls, fences, drives) and any HOA/common-area authority.
Physical Problems (Site Conditions)
Any settling, flooding, drainage, or grading issues? Explain if yes.
Structural Damage
Any known structural damage? Explain if yes.
Real Estate Improvement District / Special Assessments
In an improvement district? If yes, list any special assessment amount.
Quick note: Iowa instructs sellers to explain every “yes,” attach pages if needed, and update the disclosure if information later becomes inaccurate or is supplemented.
Download and print our Disclosure Litmus Test
Use this link to download a printable checklist (62KB) to prepare for completing the Iowa 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 Iowa 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.
English (US) · 