Kentucky Property Disclosure Statement

Seller's Disclosure of Property Condition pursuant to KRS 324.360. This form satisfies the statutory requirement that sellers of residential real property in Kentucky complete a written disclosure of known conditions when a licensed real estate agent is involved in the transaction. The disclosure is based solely on the Seller's actual knowledge and is not a warranty or substitute for professional inspections.

KRS 324.360 requires the Kentucky Real Estate Commission (KREC) to authorize a Seller's Disclosure of Property Condition form (KREC Form 402 and updates). The form must address basement condition and leaks, roof condition and leaks, source and condition of water supply, source and condition of sewage service, working condition of component systems, and such other matters as the Commission deems appropriate. Sellers must answer to the best of their knowledge. The disclosure must generally be provided before the buyer submits an offer or at the latest before the purchase contract is signed.

Exemptions (per KRS 324.360 and KREC rules): New construction sold by the builder; foreclosure sales or deeds in lieu; sales by a personal representative, executor, or administrator of an estate; transfers between co-owners; transfers to or from a governmental entity; certain transfers incident to divorce or court order; and sales of property where no licensed agent receives compensation in connection with the sale. Confirm applicability with counsel or your agent.

Sellers: Answer every question truthfully based on what you actually know. Mark "Unknown" if you do not know. Attach additional pages if needed. If you learn new information before closing, immediately notify the buyer and agent in writing. Buyers: This is not a warranty. Obtain your own professional inspections. The form is a statement of the Seller's knowledge only.

Property Identification

Date of Disclosure: [[Date of Completion]]

Seller Name(s): [[Seller Full Legal Name(s)]]

Property Address: [[Full Street Address]]
[[City]], Kentucky [[ZIP Code]]
County: [[County Name]]

Property Type: [[Single-Family Detached / Townhouse / Condominium / Duplex / Manufactured Home / Other]]

Year Built (approximate): [[Year Built]]

Approximate Living Area (sq ft): [[Square Footage]]

How Long Seller Has Owned / Occupied: [[Years Owned]], [[Primary Residence / Rental / Seasonal / Vacant / Other]]

Legal Description (if known or attach): [[Legal Description or "See attached deed / survey"]], -

Instructions to Seller

1. Complete this form yourself to the best of your knowledge. You may authorize your agent to assist in transcribing answers, but you remain responsible for accuracy.

2. Answer "Yes," "No," "Unknown," or "N/A" for each item. Provide explanations where indicated.

3. Disclose known material defects even if repaired. A "material defect" is a condition that would significantly affect the value of the property or present an unreasonable risk to persons or property.

4. Do not guess or speculate. "Unknown" is an acceptable answer when you genuinely do not know.

5. Attach copies of any relevant reports, warranties, repair invoices, or permits if they help explain answers.

6. Sign and date the form. Provide a copy to the buyer before or with any offer., -

1. Structural and Foundation

1. Are you aware of any defects, cracks, settling, movement, or water intrusion in the foundation, basement, crawlspace, or slab?

[[Yes / No / Unknown]], If yes, explain: [[Describe location, severity, when noticed, repairs performed and dates]]

2. Are you aware of any problems with the roof (leaks, missing or damaged shingles, flashing, sagging, ice dams, age of roof covering)?

[[Yes / No / Unknown]], Approximate age of roof: [[Years or Unknown]], If yes, explain: [[Details and repairs]]

3. Are you aware of any defects, damage, rot, or infestation affecting exterior walls, siding, trim, windows, or doors?

[[Yes / No / Unknown]], If yes, explain: [[Describe]]

4. Are you aware of any defects, cracks, sagging, or water damage in interior ceilings, walls, or floors?

[[Yes / No / Unknown]], If yes, explain: [[Describe]]

5. Are you aware of any additions, alterations, or structural modifications made without required permits?

[[Yes / No / Unknown]], If yes, explain: [[Describe work and permit status]]

6. Are you aware of any past or present problems with chimneys, fireplaces, or flues (including creosote buildup, cracks, or blockages)?

[[Yes / No / Unknown]], If yes, explain: [[Describe]], -

2. Plumbing System

7. What is the source of water supply?

[[Municipal / Community / Private well / Other]], If well, approximate depth and last test date if known: [[Details or Unknown]]

8. Are you aware of any problems with water pressure, quantity, quality, discoloration, odor, or contamination?

[[Yes / No / Unknown]], If yes, explain: [[Describe]]

9. Are you aware of any leaks, corrosion, frozen pipes, or other defects in the plumbing system (supply lines, drain lines, fixtures, water heater)?

[[Yes / No / Unknown]], If yes, explain: [[Describe locations and repairs]]

10. Is the water heater gas, electric, or tankless? Approximate age?

[[Type and Age or Unknown]], Any known issues? [[Yes / No / Unknown]], If yes, explain: [[Details]]

11. What is the sewage disposal method?

[[Municipal sewer / Septic system / Holding tank / Other]]

12. If septic or holding tank: date last pumped or inspected?

[[Date or Unknown]], Any known problems or failures? [[Yes / No / Unknown]], If yes, explain: [[Describe]]

13. Are you aware of any past or present sewer backups, slow drains, or drainage problems on the property?

[[Yes / No / Unknown]], If yes, explain: [[Describe dates and remediation]], -

3. Electrical and HVAC Systems

14. Electrical service type and amperage (if known):

[[Amps]], [[Breaker panel / Fuse box]], Last upgrade or major work: [[Year or Unknown]]

15. Are you aware of any defects, deficiencies, or code violations in the electrical system (aluminum wiring, GFCI protection, AFCI, overloaded circuits, knob-and-tube, etc.)?

[[Yes / No / Unknown]], If yes, explain: [[Describe]]

16. Are you aware of any problems with outlets, switches, light fixtures, smoke/CO detectors, or wiring?

[[Yes / No / Unknown]], If yes, explain: [[Describe]]

17. Heating system type and fuel:

[[Gas forced-air / Electric / Heat pump / Boiler / Other]], Approximate age: [[Years]], Last service: [[Date or Unknown]]

18. Are you aware of any defects or performance issues with the heating system?

[[Yes / No / Unknown]], If yes, explain: [[Describe]]

19. Cooling system type:

[[Central air / Window units / Heat pump / None / Other]], Approximate age: [[Years]], Last service: [[Date or Unknown]]

20. Are you aware of any defects or performance issues with the cooling system?

[[Yes / No / Unknown]], If yes, explain: [[Describe]]

21. Are you aware of any problems with major appliances that will remain with the property (range, refrigerator, dishwasher, disposal, microwave, washer, dryer)?

[[Yes / No / Unknown]], If yes, explain: [[List and describe issues]], -

4. Water Intrusion, Moisture, and Mold

22. Has the property experienced any water intrusion, leaks, flooding, or moisture problems (roof, basement, windows, plumbing, grading, crawlspace)?

[[Yes / No / Unknown]], If yes, explain dates, locations, causes, and repairs: [[Details]]

23. Are you aware of any past or present mold, mildew, or fungal growth in the property?

[[Yes / No / Unknown]], If yes, explain: [[Locations, testing, remediation]]

24. Has any part of the property been treated for wood-destroying insects (termites, carpenter ants, etc.)?

[[Yes / No / Unknown]], If yes, provide date, company, and warranty status if known: [[Details]], -

5. Environmental and Health Hazards

25. Lead-based paint: Was the dwelling built before 1978?

[[Yes / No / Unknown]], If yes, has the federal lead-based paint disclosure and pamphlet been provided? [[Yes / No]]

26. Asbestos: Are you aware of any asbestos-containing materials in the property (flooring, insulation, siding, ductwork, etc.)?

[[Yes / No / Unknown]], If yes, explain: [[Locations and condition]]

27. Radon: Has the property been tested for radon?

[[Yes / No / Unknown]], If yes, result and date: [[pCi/L and Date]], Was mitigation installed? [[Yes / No]]

28. Are you aware of any other environmental hazards (underground storage tanks, soil contamination, hazardous materials, urea-formaldehyde insulation, carbon monoxide sources)?

[[Yes / No / Unknown]], If yes, explain: [[Details]]

29. Has the property ever been used for the manufacture, storage, or disposal of illegal drugs or hazardous substances?

[[Yes / No / Unknown]], If yes, explain: [[Details and remediation]], -

6. Legal, Title, and Encumbrances

30. Are you aware of any easements, encroachments, boundary disputes, or shared driveways affecting the property?

[[Yes / No / Unknown]], If yes, explain: [[Describe]]

31. Are you aware of any violations of zoning, building codes, or HOA rules?

[[Yes / No / Unknown]], If yes, explain: [[Describe]]

32. Are there any pending or threatened legal actions, liens, assessments, or special district charges affecting the property?

[[Yes / No / Unknown]], If yes, explain: [[Details]]

33. Is the property located in a flood zone or has it experienced flooding?

[[Yes / No / Unknown]], If yes, explain: [[FEMA zone if known, dates of flooding, insurance claims]]

34. Are you aware of any right-of-way, access issues, or private road maintenance agreements?

[[Yes / No / Unknown]], If yes, explain: [[Details]]

35. Is the property subject to any conservation easement, agricultural use restriction, or other deed restriction?

[[Yes / No / Unknown]], If yes, explain: [[Details]], -

7. Homeowners / Condominium Associations and Assessments

36. Is the property subject to a homeowners association, condominium association, or similar?

[[Yes / No]], If yes: Name of association: [[Name]], Monthly / Annual dues: $[[Amount]]

37. Are there any special assessments, pending or proposed?

[[Yes / No / Unknown]], If yes, explain amount and purpose: [[Details]]

38. Are you aware of any pending or proposed changes to association rules, fees, or common elements that would affect the property?

[[Yes / No / Unknown]], If yes, explain: [[Details]], -

8. Systems and Items Not Working or Defective

39. List all known items, systems, or components that are not in normal working order or that have known material defects not already disclosed above:

[[List each item and describe the issue, or state "None known"]]

40. Are there any other material facts or conditions affecting the property that a reasonable buyer would want to know?

[[Yes / No]], If yes, describe: [[Details]], -

9. Seller's Knowledge Certification and Attachments

Seller certifies that the information provided in this disclosure is true and accurate to the best of Seller's knowledge as of the date signed. Seller has not willfully concealed or misrepresented any material fact. Seller authorizes the real estate agent to provide a copy of this statement to any prospective buyer or other person or entity as required or permitted by law.

Attachments (check and list):
- [ ] Repair invoices / receipts
- [ ] Inspection reports
- [ ] Warranties / service contracts
- [ ] Permits
- [ ] Radon / mold / termite reports
- [ ] HOA documents or rules
- [ ] Other: [[Describe]]

Additional pages attached: [[Yes / No]], Number of pages: [[Number]], -

Signatures

SELLER(S)

Seller 1 Signature: _______________________________ Date: [[Date]]
Printed Name: [[Seller 1 Full Name]]

Seller 2 Signature: _______________________________ Date: [[Date]]
Printed Name: [[Seller 2 Full Name]]

BUYER ACKNOWLEDGMENT (optional at time of disclosure but recommended)

Buyer acknowledges receipt of this disclosure. Buyer understands that this is a statement of the Seller's knowledge only and is not a warranty. Buyer is advised to obtain independent professional inspections.

Buyer 1 Signature: _______________________________ Date: [[Date]]
Printed Name: [[Buyer 1 Full Name]]

Buyer 2 Signature: _______________________________ Date: [[Date]]
Printed Name: [[Buyer 2 Full Name]], -

Agent Acknowledgment / Authorization (if applicable)

The undersigned agent has provided this form to the Seller for completion in accordance with KRS 324.360. The agent has not independently verified the accuracy of the Seller's answers. If the Seller refuses to complete the form, the agent will note the refusal and inform the buyer as required.

Agent Name / Brokerage: [[Agent Name / Company]]
Agent Signature: _______________________________ Date: [[Date]], -

Important Notices and Disclaimers

• This disclosure is based on the Seller's actual knowledge, however gained. It is not a substitute for a professional home inspection, appraisal, or due diligence by the buyer.

• Sellers who own no more than a limited number of properties or who are acting in a fiduciary capacity may have different obligations; confirm requirements with your agent or counsel.

• Environmental hazards such as radon, mold, lead, and asbestos may require specialized testing. Kentucky has areas with elevated radon potential.

• If the property was built before 1978, federal law requires lead-based paint disclosure (42 U.S.C. § 4852d) in addition to this form.

• Any material change in the condition of the property or new information learned by Seller before closing must be disclosed promptly in writing.

• This template follows the requirements and form structure authorized under KRS 324.360 and KREC Form 402 (as updated). Local practice or lender requirements may call for additional disclosures., -

Sources

• KRS 324.360, Form for seller's disclosure of conditions (as of 2026)

• KREC Form 402, Seller's Disclosure of Property Condition (current version available at krec.ky.gov)

• 201 KAR 11:121 and related administrative regulations

• Federal lead-based paint disclosure requirements (pre-1978 housing)

As of June 2026. Verify current statute text and form version with the Kentucky Real Estate Commission or licensed counsel before use.

> ⚠️ Template example, not professional legal or real estate advice. This document is a sample workflow tool only. Every transaction is unique. Sellers must provide accurate information based on their personal knowledge. Buyers must conduct independent inspections and consult qualified professionals. The user assumes all responsibility for compliance with current Kentucky law and any local requirements., -

End of Kentucky Property Disclosure Statement Template