Seller’s Disclosure in Maryland: Here’s What You Must Disclose (2025 Update)

6 mins read Jun 06, 2025
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Edited By

Carol Coutinho

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Editor
Edited By

Carol Coutinho

Editor, Houzeo
About Carol Coutinho is a real estate technology expert. She is a senior content editor and helps Houzeo researchers refine their studies on home buying and selling trends. Carol also likes to explore U.S. real estate market trends and new PropTech disrupters in the residential space. Find Carol Here linkedin
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28% of home buyers nationwide find hidden issues in properties after closing. A third of them blame sellers for not being upfront about them. The last thing you want is to be sued for undisclosed defects. A Maryland seller disclosure form is your best defense.

MD real estate law differ by state, and just one missed issue could cost you a fortune! Houzeo removes this risk by automatically selecting the right forms for your sale. You complete and sign everything online, in just a few simple steps.

What Is a Seller’s Property Disclosure in Maryland?

A seller’s property disclosure in Maryland is a legal document that details your home’s condition and history. You need to disclose any known flaws that could affect your property’s value. So, if your property has a leaky roof or a termite infestation, you have to mention it in the form.

What Do You Have to Disclose When Selling a House in MD?

What needs to be disclosed when selling a house includes any known defects, such as roof damage, water intrusion, or mold issues. Whether you’re selling a house by owner in Maryland or with an agent, be upfront about these problems to avoid legal trouble:

1. Material Defects

  • Structure and Appliances: Maryland’s sultry heat can turn your appliances into troublemakers. So, if your HVAC system is on its last leg, be upfront about it.
  • Drainage and Flooding: Maryland flood disclosure laws require you to disclose past storm damage, including damage. Do not forget to mention the dates, especially in flood-prone areas like Baltimore or Ocean City.
  • Plumbing: Be upfront about your home’s water source and any issues with it. Disclose unused wells, tanks, or problems with your sprinkler or plumbing systems.
  • Pools and Water Features: Maryland real estate laws mandate that all pools built after 2000 meet safety standards, including enclosures and barriers. Make sure your pool complies with the Residential Swimming Pool Safety Act.

2. Code Violations

  • HOA Restrictions and Boundaries: The state law requires homeowners to be members of the HOA. So, you must disclose the HOA fees as well as resale and lease restrictions.
  • Government Restrictions: Reveal any violations of zoning rules, construction breaches, safety codes, or restrictions on property additions. Also, disclose any unrecorded liens.

3. Environmental Hazards

  • Health and Safety Risks: Maryland radon gas disclosure laws require sellers to report known hazards like lead paint, asbestos, mold, and radon in a property. Failure to disclose these risks can lead to serious health consequences and legal liability.
  • Infestations: Termites are found throughout Maryland, but some areas have higher activity due to climate and soil conditions.
  • Sinkholes: Disclose any nearby sinkholes or areas that could swallow your house whole.
  • Environmental Damage: If your property has seen storm damage or needed repairs, disclose it. And if you have mangroves or other sensitive areas, make sure to mention them too!

4. Federal Disclosure Requirements

Under the Maryland Home Disclosure Act, you must disclose lead-based paint hazards if your house was built before 1978. The Lead-Based Paint Hazard Reduction Act of 1992 requires sellers to:

What Can You Skip Under Maryland Real Estate Disclosure Laws?

Maryland laws on property don’t require you to include specific details in a realty disclosure statement, such as:

  • Deaths or suicides on the property, as long as they don’t affect its condition.
  • The presence of a registered sex offender in the area (buyers can check public databases).
  • Any claims or beliefs that the property is haunted.
  • Whether previous occupants had AIDS or HIV.

Understanding disclosure vs disclaimer helps Maryland sellers know what’s legally required versus optional information.

What Is the Penalty for an Incorrect MD Home Disclosure?

If you lie or withhold information on your Maryland seller’s disclosure form, you could face severe penalties. What is seller disclosure compliance requirements these may include one or more of the following:

  1. Contract Rescission: The buyer can cancel the contract if any defect was intentionally or unknowingly undisclosed. They can also seek reimbursement for expenses already incurred.
  2. Fraud Charges: If you knowingly provide false information or omit material facts, you may be liable for civil fraud. You may have to pay hefty financial penalties, including compensatory and punitive damages.
  3. Legal Fees: Real estate disclosure laws hold sellers accountable if buyers win a lawsuit. You could owe both damages and the buyer’s legal fees, creating a heavy financial burden.
  4. Lawsuits for Damages: If you don’t disclose major defects, the buyer can sue you for repair costs. However, they must prove that you knew about the defect and deliberately withheld the information
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How to Minimize Issues in the Maryland Seller’s Disclosure Form?

To reduce issues with your seller disclosure in Maryland, you must be thorough, accurate, and proactive. Here’s how:

  • Complete a Pre-Sale Inspection: Get a home inspection and fix what you can. This reduces the number of defects you have to disclose.
  • Consult with Professionals: If you’re unsure about the disclosure agreement, consult a real estate attorney in Maryland. They can make your disclosure dilemma disappear.
  • Keep All Repair Records: These act as supporting documents to your seller property disclosures in real estate. They also prove that you have addressed any known issues.
  • Review the Disclosure Carefully: You can compare your forms with the ones offered by top FSBO sites in Maryland to make sure you didn’t forget anything important.

How Important Is the Seller’s Disclosure Statement in MD?

A seller disclosure in Maryland is essential for maintaining clarity in your real estate sale. In Maryland’s competitive market, buyers don’t hesitate to ditch properties with hidden flaws. If you’re upfront with disclosures, you ensure transparency and keep the deal moving forward.

Once your disclosures are ready, the next step is listing. With a Maryland Flat Fee MLS listing service, you can get your home on the market quickly while saving thousands in agent fees.

Free Maryland Seller’s Disclosure Form Sample

Frequently Asked Questions

Is a seller disclosure required in Maryland?

Yes, Maryland law mandates sellers to provide a seller disclosure in real estate. This document highlights any material defects in your property and helps you avoid potential legal issues after the sale.

What is a seller disclosure in Maryland?

A seller disclosure in Maryland is your chance to spill the beans about any and all issues with the property. From material defects to code violations and environmental hazards, it’s the ultimate “warts and all” list to keep things crystal clear for buyers!

Do I need to disclose stucco cracks in the seller's discloure in Maryland?

Yes, you must disclose stucco cracks if you're aware of them. However, there are certain exemptions in a Maryland seller disclosure, so it's always a good idea to double-check with a real estate attorney.