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Florida Home Purchase Contracts & Required Disclosures

Florida does not publish a single state purchase-contract blank for ordinary home resales. Agent-assisted transactions commonly use current Florida Realtors®/The Florida Bar contracts—the standard or “AS IS” version—or Florida Realtors’ CRSP contract, together with the riders and disclosures required for the property. Choose your situation based on who will prepare the agreement.

Your agent or broker is preparing the offer

Ask which current Florida contract is being used, why it fits the transaction, and which riders and disclosures apply. Confirm whom the licensee represents; Florida transaction brokerage is limited representation, not dual fiduciary agency.

See the agent-guided steps

No Florida agent is preparing the offer

Florida does not provide a free FREC residential purchase blank. A Florida real-estate lawyer can prepare or review the agreement before you sign. Use only a current, expressly licensed self-help form source if you go that route—not an old or unauthorized PDF.

See FSBO steps
Before anyone signs

The seller’s Florida flood disclosure must be delivered at or before contract execution. Condominium, cooperative, HOA, coastal, pre-1978, and other property facts may require additional documents, contract language, or time-limited cancellation rights.

Check the disclosure timeline

PublicLegal does not sell or reproduce Florida Realtors®/The Florida Bar contracts, CRSP, or lookalikes. When a current industry form or Florida lawyer is the better path, we say so.

Reviewed August 2026 · Fla. Stat. §§725.01, 475.278, 689.261, 689.302, 404.056, 720.401, 718.503, 161.57 · Johnson v. Davis · Florida Realtors contract materials · EPA lead

Independent general information for ordinary Florida residential resales. PublicLegal is not affiliated with Florida Realtors, The Florida Bar, FREC, or DBPR. This page is not legal advice.

Last reviewed: August 2026 Sources: Fla. Stat. §§725.01, 475.278, 689.302 · Johnson v. Davis · Florida Realtors · EPA

Editorial summary based on the 2025 Florida Statutes (including flood disclosure §689.302 as currently codified), Johnson v. Davis, Florida Realtors contract-guidance materials and 2025 form updates, FREC/DBPR licensing materials, The Florida Bar’s consumer home-buying pamphlet, and EPA lead-disclosure materials. Re-check official sources before you rely on deadlines or form versions—statutes and association forms change.

Who this page is for

  • Buyers or sellers trying to understand how Florida residential purchase agreements usually work
  • People working with a Florida agent who want plain-English context before signing industry forms
  • FSBO parties who need the correct next step when there is no free FREC purchase blank
  • Anyone who needs the flood, HOA, condo, coastal, or seller-disclosure timeline before signing

Who should use another path

  • Anyone looking to download a PublicLegal “official FR/BAR contract” — we do not sell that
  • Users who need a filled-in offer for a live transaction without professional help on complex terms
  • Commercial, farm, new-construction developer packages, or heavily customized deals that need a Florida real estate attorney from the start

A contract for the sale of lands generally must be in writing and signed by the party to be charged (Fla. Stat. §725.01). That writing requirement is not the same thing as a government-issued form number.

The Florida Real Estate Commission and DBPR regulate licensees. Their public forms libraries are oriented to licensing and regulation—not a free statewide residential purchase blank for ordinary resales. In many agent-assisted transactions, private Florida Realtors®/The Florida Bar contracts or Florida Realtors CRSP are used.

The purchase agreement creates the parties’ obligations. The deed conveys title later at closing. There is no general automatic three-day cooling-off period after an ordinary accepted Florida home offer; cancellation rights come from the contract or from specific statutes (for example certain HOA or condominium disclosure failures).

Two common Florida situations

Your agent or broker is preparing the offer

If a Florida real-estate licensee is preparing your offer, that licensee typically selects and supplies the current purchase agreement and riders for the property and deal structure. Florida Realtors identifies three residential contracts: the Florida Realtors®/The Florida Bar Residential Contract for Sale and Purchase, the “AS IS” version of that joint contract, and the Florida Realtors Contract for Residential Sale and Purchase (CRSP). Those are private industry forms—not free public blanks from the Florida Real Estate Commission.

Ask which form and revision is being used and why the standard FR/BAR path, the “AS IS” path, or CRSP fits your transaction. Confirm whom the licensee represents under Florida’s brokerage-relationship rules (Fla. Stat. §475.278). Florida prohibits dual fiduciary agency; a transaction broker provides a limited form of representation, which is not the same thing as a dual agent.

Confirm the riders and disclosures that match the property—HOA, condominium, coastal, lead paint, appraisal contingency, financing, occupancy, qualifying improvements, and others—before anyone signs. Do not assume an appraisal-to-purchase-price exit exists unless the agreement expressly provides one.

Even when an agent supplies the forms, you may still want a Florida lawyer to review the agreement before you sign—especially if terms are unusual, deadlines are aggressive, or the property is a condo, coastal parcel, or complex title situation. The Florida Bar’s consumer guidance emphasizes retaining a lawyer before the purchase contract is signed when you need advice about your interests.

No Florida agent is preparing the offer

Florida does not publish a free FREC residential purchase-contract blank for ordinary resales. Unrepresented buyers and sellers still need a written agreement that covers more than price and address—deposit, financing, inspections, insurance, title, possession, defaults, disclosures, and closing logistics. A contract for the sale of land generally must be in writing under Florida’s statute of frauds (Fla. Stat. §725.01).

The safer contract path is a Florida real-estate lawyer who prepares or reviews the agreement before anyone signs. Form access is not legal advice about which contingencies, riders, or deadlines to choose.

If you use a self-help form service, use only a current source that is expressly licensed to distribute the forms you need. Do not rely on random internet PDFs labeled “FAR/BAR” or “Florida purchase agreement.” Association contracts and riders are revised during the year; stale copies create real risk.

Selling or buying without an agent does not erase the seller’s duty to disclose known latent material defects under Johnson v. Davis, the statutory flood and property-tax disclosures, radon notification, federal lead duties for most pre-1978 housing, or HOA/condo/coastal rules that apply to the property. Select a title company or closing attorney early, and ask whom that closing agent represents.

PublicLegal does not sell a Florida purchase-contract substitute. Use this page for orientation, primary-source links, and related deed or rental products only when those separate tasks apply.

Florida disclosure timeline and seller duties

Florida does not prescribe one universal statutory property-condition questionnaire for every ordinary residential resale the way some states do. Instead, Florida combines a case-law disclosure duty with multiple transaction- and property-specific statutory notices.

Under Johnson v. Davis, 480 So. 2d 625 (Fla. 1985), a residential seller who knows of facts materially affecting the value of the property that are not readily observable and are not known to the buyer must disclose them. That duty applies to new and used homes. An “AS IS” contract does not erase the duty to disclose known latent material defects.

When a real-estate licensee is involved, Fla. Stat. §475.278 also requires disclosure of known facts that materially affect the value of residential real property and are not readily observable—across single-agent, transaction-broker, and no-brokerage-relationship postures. Dual fiduciary agency is prohibited.

Flood disclosure (Fla. Stat. §689.302): A seller must complete and provide a flood disclosure to a purchaser of residential real property at or before the sales contract is executed. The current statutory form includes a flood-insurance warning and asks whether the seller has knowledge of flooding that damaged the property during the seller’s ownership, has filed a flood-damage insurance claim, and has received flood-damage assistance. The statute defines “flooding.” This duty is not limited to homes inside a mapped FEMA flood zone.

Property tax disclosure (Fla. Stat. §689.261): A prospective purchaser of residential property must receive a statutory property-tax disclosure summary at or before contract execution warning that the buyer should not rely on the seller’s current taxes after a change of ownership or improvements.

Radon notification (Fla. Stat. §404.056(5)): Prescribed “RADON GAS …” language must appear on at least one document, form, or application executed at or before the contract for sale and purchase of any building.

Energy-efficiency information (Fla. Stat. §553.996): At or before contract execution, the purchaser must receive information notifying them of the option for a building energy-efficiency rating.

HOA communities (Fla. Stat. §720.401): A prospective parcel owner in a covered community must receive a statutory disclosure summary before executing the contract. The contract must incorporate/reference the summary and include a conspicuous voidability clause. If the summary is not provided before execution, the buyer may void within three days after receipt of the summary or prior to closing, whichever occurs first; the right is not waivable and ends at closing. This HOA path is not the same document package or calendar as condominium law.

Condominiums and cooperatives (Fla. Stat. §§718.503 and 719.503): These chapters require specific contract legends and document delivery. Developer and nondeveloper paths differ. Current law also addresses milestone inspection materials, turnover inspection reports, and structural integrity reserve study materials where applicable. Developer transactions can carry longer statutory review/cancellation periods (commonly described as 15 days in the developer contract legends). Nondeveloper resales often use shorter periods that exclude Saturdays, Sundays, and legal holidays. Read the current statute and your contract rather than relying on a single countdown from a web page.

Coastal property (Fla. Stat. §161.57): If the property is partly or wholly seaward of the coastal construction control line, the seller must give a prescribed written coastal disclosure at or before both parties execute the contract, and generally must provide a CCCL affidavit or survey at or before closing unless waived. Failure to deliver under this section does not, by itself, create a statutory rescission right under §161.57.

Federal lead-based paint rules still apply to most pre-1978 housing: disclosure of known information and records, a warning statement, the EPA pamphlet, and a buyer opportunity to test unless properly changed or waived.

Fla. Stat. §689.25 provides that certain facts—such as occupant HIV/AIDS status, or that a property was the site of a homicide, suicide, or death—are not material facts that must be disclosed in a real estate transaction. That statute does not cancel the Johnson duty for physical latent defects.

Association “Seller’s Property Disclosure” forms used with many agent deals are private industry products, not free FREC blanks. PublicLegal does not host or sell them. Written disclosure remains a practical way to document known issues even when no single statewide condition form is mandated.

Florida purchase checklist

Use this as a practical sequence—not a substitute for advice on your facts.

  1. Confirm who is preparing the Florida purchase agreement (licensee vs unrepresented path)
  2. If a licensee is involved, confirm the current contract family (standard FR/BAR, “AS IS,” or CRSP), revision, riders, and whom the licensee represents
  3. If no agent is involved, arrange Florida real-estate lawyer preparation or review before anyone signs
  4. Deliver or obtain the statutory flood disclosure at or before contract execution (§689.302)
  5. Complete property-tax, radon, energy-efficiency, and other applicable notices at the statutory times
  6. If the home is in an HOA, provide/receive the §720.401 disclosure summary before execution
  7. If the property is a condo or cooperative, follow chapter 718 or 719 document and contract-legend rules
  8. Address coastal CCCL disclosure when the property is seaward of the control line
  9. Add federal lead materials for most pre-1978 housing
  10. Calendar inspection, financing, insurance, and title deadlines from the actual signed contract
  11. Select a title company or closing attorney and confirm representation and wire procedures
  12. Treat the deed and recording package as part of closing—not a DIY substitute for the purchase contract

Step summary

  1. Identify who prepares the agreement Representation determines who supplies the forms. A listing agent representing the seller is not automatically the buyer’s personal counsel.
  2. Use a current written contract that fits the deal Through your Florida licensee if you have one, or through a Florida real-estate lawyer if you do not. Cover deposit, financing, inspections, insurance, title, possession, defaults, and closing—not just price.
  3. Complete Florida’s disclosure stack before you are locked in Flood disclosure is due at or before contract execution. Add tax, radon, energy, HOA/condo/coastal, lead, and Johnson latent-defect disclosures that apply to the property.
  4. Close with a clear title and closing professional Coordinate title insurance, deed, funding, and recording with a title company or closing attorney. Ask whom that professional represents.

Other Florida notices and deal issues

Depending on the property and transaction, parties may also need to address:

  • Standard vs “AS IS” Florida Realtors/Florida Bar contracts: the standard path generally allocates certain inspection/repair issues; the “AS IS” path generally does not require seller repairs and gives the buyer a contractual inspection-period cancellation right under the form’s terms—without erasing seller disclosure duties
  • CRSP as a separate Florida Realtors residential contract family with its own provisions (current versions compute time in calendar days)
  • Outstanding qualifying-improvement assessments (sometimes still discussed under older “PACE” labels) and related contract disclosures
  • Pending code-enforcement proceedings and related transfer notices where applicable
  • Community development district (CDD) or special taxing district warnings on initial or applicable sales
  • Insurance availability and cost—especially wind and flood—during contractual contingency periods
  • Open or expired permits and unpermitted work raised in inspections or contract standards
  • FIRPTA withholding issues when a seller is a foreign person under federal rules
  • Federal lead-based paint materials for most pre-1978 housing

Local and property-specific requirements vary. Use professionals and primary sources for your address—not a generic national packet.

Florida closings, title companies, and attorneys

Florida is not a categorical attorney-only closing state for ordinary residential resales. Closings are commonly handled by a title company or a closing attorney. A title insurer or title agent issuing title insurance may perform authorized closing and document functions incident to that role.

A Florida real-estate lawyer can advise you about contract terms, title objections, homestead and ownership structure, association issues, disputes, and custom drafting. The Florida Bar’s consumer pamphlet stresses that the best time to retain a lawyer is before the purchase contract is signed.

Ask whom the closing agent represents. A neutral closing role is not the same as personal legal representation for negotiating your deal. Independently verify wire instructions because real-estate wire fraud is common.

The purchase agreement creates the sale obligations. The deed conveys title at closing. PublicLegal’s Florida deed pages address conveyance documents; they are not a substitute for the purchase agreement or for closing professionals.

When to talk with a Florida real estate attorney

  • No Florida agent is preparing the offer and you need a purchase agreement drafted or reviewed
  • You do not understand standard vs “AS IS” terms, riders, or deadline math
  • The property is a condominium, cooperative, coastal parcel, or has complex association documents
  • Flood, insurance availability, open permits, or title defects are driving the deal
  • Seller financing, foreign seller (FIRPTA), entity sellers, or estate sales are involved
  • A dispute arises over deposit, inspection cancellation, or default remedies
  • You are being pressured to sign quickly without time to read the documents

Official sources

Fla. Stat. §725.01 (statute of frauds — land contracts) Writing requirement commonly applicable to contracts for the sale of lands Fla. Stat. §475.278 (brokerage relationships and disclosures) Authorized relationships, material-fact disclosure duties, dual agency prohibition Fla. Stat. §689.302 (flood disclosure) Seller flood disclosure due at or before residential sales contract execution Fla. Stat. §689.261 (property tax disclosure) Statutory property-tax disclosure summary for residential purchasers Fla. Stat. §404.056 (radon notification) Prescribed radon language on real estate documents Fla. Stat. §720.401 (HOA disclosure summary) HOA disclosure summary and late-delivery voidability path Fla. Stat. §718.503 (condominium disclosures) Developer and nondeveloper condominium contract and document rules Fla. Stat. §719.503 (cooperative disclosures) Cooperative disclosure and voidability framework Fla. Stat. §161.57 (coastal properties disclosure) Disclosure for property seaward of the coastal construction control line Fla. Stat. §553.996 (energy-efficiency rating information) Notice of the option for a building energy-efficiency rating Fla. Stat. §689.25 (certain non-material facts) HIV/AIDS occupancy and death-on-property facts not required material disclosures Johnson v. Davis, 480 So. 2d 625 (Fla. 1985) Seller duty to disclose known latent material defects affecting value Florida Realtors — laws & regulations regarding contracts Association guidance on residential contract families and common timing issues Florida Realtors — Form Simplicity (member forms access) Member-benefit platform for current Florida Realtors forms FREC forms and publications (DBPR) Licensing regulator forms library — not a free public residential PSA blank The Florida Bar — Buying a Home (consumer pamphlet) Consumer guidance on contracts, title, deeds, and when to hire a lawyer EPA: real estate lead disclosures Federal lead disclosure framework for most pre-1978 housing EPA: Protect Your Family From Lead in Your Home Federal lead pamphlet commonly used with pre-1978 housing disclosures

What PublicLegal does not sell for Florida

  • Florida Realtors®/The Florida Bar Residential or “AS IS” contracts, CRSP, riders, or seller-disclosure forms
  • Any lookalike marketed as the FR/BAR or FAR/BAR contract or as a FREC-required Florida purchase agreement
  • A generic national purchase blank relabeled as Florida-compliant
  • A deed or closing packet represented as a substitute for the purchase agreement or closing professionals

That keeps this page honest: orientation and primary-source links, not a substitute for licensed industry forms or Florida legal advice.

Frequently asked questions

Is there an official Florida government home purchase contract?

Florida does not use a general public FREC purchase-contract blank for ordinary home resales. Many agent-assisted deals use private Florida Realtors®/The Florida Bar contracts or Florida Realtors CRSP. PublicLegal does not sell those forms or a lookalike.

What is the FAR/BAR or FR/BAR contract?

Those nicknames usually refer to the joint Florida Realtors®/The Florida Bar Residential Contract for Sale and Purchase and its “AS IS” version. They are industry forms approved by those organizations—not government forms issued by FREC.

What is the difference between the standard and “AS IS” contracts?

In general terms, the standard Florida Realtors/Florida Bar path allocates certain inspection and repair issues under the form’s standards, while the “AS IS” path generally does not require the seller to make repairs and gives the buyer a contractual inspection-period cancellation right under the form’s terms. “AS IS” does not mean “no inspections” and does not erase the seller’s duty to disclose known latent material defects. Your actual signed form controls.

Does “AS IS” let the seller hide defects?

No. Under Johnson v. Davis, a residential seller who knows of facts materially affecting value that are not readily observable and are not known to the buyer must disclose them. An as-is clause does not wipe out that disclosure duty.

Can a Florida buyer cancel within three days after signing?

Not automatically in an ordinary resale. None of the Florida Realtors contract families create a general three-day cooling-off right after acceptance. Specific statutes—such as late HOA disclosure delivery under §720.401, or condominium/cooperative document rules—can create time-limited cancellation rights. Read the statute and your contract.

Is a flood disclosure required even if the home is not in a flood zone?

Fla. Stat. §689.302 requires a seller of residential real property to provide the statutory flood disclosure at or before contract execution. The statute is not written as applying only inside a mapped FEMA flood zone. Flood-zone status and insurance needs are separate practical questions.

Does Florida require an attorney at closing?

Not for every ordinary residential transaction. Closings are commonly handled by title companies or closing attorneys. A Florida lawyer is still often the right advisor before you sign the purchase contract, and you should ask whom the closing agent represents.

What is different about buying a condo or a home in an HOA?

HOA parcels use Fla. Stat. §720.401’s disclosure summary and related contract language, with a possible three-day voidability path if the summary is late. Condominiums and cooperatives follow chapters 718 and 719, which require specific legends, document packages, and—under current law—additional inspection and reserve-study materials in many cases. Those paths are not interchangeable.

Is a deed the same as a purchase contract?

No. The purchase agreement is the contract to buy and sell. Title typically transfers later by deed at closing. PublicLegal’s Florida deed pages address conveyance documents; they are not a substitute for the purchase agreement or closing professionals.

When should I talk to a Florida real estate attorney?

Consider an attorney if no agent is preparing the offer, if you need the purchase agreement reviewed before signing, if the property is a condo/coastal/complex title situation, if insurance or flood issues are material, or if you do not understand documents you are being asked to sign. This page is orientation, not representation.

PublicLegal provides self-help forms and information. This is not legal advice. Real estate purchase and disclosure rules vary by state and transaction. Confirm requirements for your property with a qualified professional when needed.