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What documents are needed to sell a property?

The property deed is the most critical document in a real estate transaction, as it legally transfers ownership from the seller to the buyer.

Home inspection reports are essential to disclose any known issues or defects with the property, which the seller is legally obligated to reveal.

Lead-based paint disclosures are required for homes built before 1978, as the presence of lead paint can pose health risks.

Mortgage payoff statements from the seller's lender(s) are needed to verify the remaining balance and facilitate the closing process.

Homeowner's association (HOA) documents, including bylaws and financial statements, must be provided to the buyer if the property is part of an HOA.

Title insurance policies protect the buyer's ownership rights and ensure a clear chain of title, which is crucial for the sale.

Property tax records, utility bills, and other relevant documents help the buyer understand the ongoing costs of owning the home.

Surveys and property line information can uncover boundary disputes or encroachments that may affect the sale.

Appraisal reports ordered by the buyer's lender validate the property's value and ensure the loan amount aligns with the sale price.

Seller's disclosure forms vary by state but typically cover known issues, such as structural problems, pest infestations, or past flooding.

Zoning and permit documents can reveal any restrictions or unpermitted additions that could impact the buyer's intended use of the property.

In some states, a "Certificate of Occupancy" is required to ensure the home meets local building codes and is safe for occupancy.

The seller's purchase documents, including the original deed and mortgage paperwork, help establish the chain of ownership.

Home warranty information, if applicable, provides the buyer with coverage for major appliances and systems after the sale.

Condominium or cooperative association documents outline the rules, fees, and shared responsibilities of the property.

Estoppel certificates from the HOA or condo association confirm the status of the seller's account and any outstanding fees.

Hazard disclosure forms alert the buyer to natural disasters, such as floods or earthquakes, that may affect the property.

Private transfer fee covenants, if present, require the buyer to pay a fee to a third party upon the sale of the home.

Energy efficiency reports, like a home energy audit, can highlight potential cost savings and upgrades for the new owner.

Income and expense statements are crucial for investment properties, allowing the buyer to assess the financial viability of the asset.

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