Connecticut Seller Disclosure Requirements: The Property Condition Report, the $500 Credit, and the Foundation Report

Connecticut seller disclosure requirements come down to one document delivered at one moment. Under the Uniform Property Condition Disclosure Act, you hand the buyer a written residential condition report before they sign a binder, contract, option, or lease with a purchase option. The report is not a warranty or an inspection. It records what you actually know about the house.

This guide covers the statute behind the duty, the nine exempt transfers, every section of the Department of Consumer Protection form revised 07/2025, the $500 credit, the foundation report, and what an as-is sale changes.

What Are Connecticut's Seller Disclosure Requirements?

Connecticut requires every seller of residential property to give the prospective purchaser a written residential condition report (Conn. Gen. Stat. § 20-327b). It has to arrive before that purchaser signs a binder, a contract to purchase, an option, or a lease containing a purchase option. That timing is the part sellers get wrong most often.

The statute also says what to do with the completed form. A copy carrying the buyer's written receipt attaches to any written offer, binder, or contract. A copy carrying both signatures attaches to the purchase agreement.

The report is a statement of knowledge, not a promise

Two short sections set the limits. Conn. Gen. Stat. § 20-327d says nothing in the act creates new warranties, and nothing requires a seller to secure inspections or tests. Section 20-327e limits your representations to your actual knowledge, with no constructive knowledge imputed to you.

The form repeats the point. Under "Statements Not to Constitute a Warranty," it says seller representations do not constitute a warranty. Under "Nature of Report," it says the report is not a substitute for inspections and tests.

Who Must Deliver the Connecticut Residential Property Condition Disclosure Report?

The duty falls on every person who offers residential property in Connecticut for sale, exchange, or lease with an option to buy, subject to the exemptions below. Subsection (c) sets the scope: residential property of not less than one and not more than four dwelling units, expressly including cooperatives and condominiums, with or without a licensed broker or salesperson.

That last clause matters. A for-sale-by-owner deal, a sale to a neighbor, and a sale to a professional cash buyer are all covered. Hiring nobody does not exempt you.

Connecticut's older housing stock is why the form has teeth. Hartford's typical house value sits near $203,328, up 2.3% year over year, and New Haven's near $338,157, up 5.8% (Zillow Home Value Index, July 2026). Much of the inventory behind those figures predates modern wiring, insulation, and sewer connections.

The Nine Exempt Transfers Under § 20-327b(b)

Subsection (b) lists nine categories of transfer exempt from the report requirement, and most are narrower than they sound. A family transfer is exempt only where no consideration is paid, and the foreclosure exemptions are qualified by subsections (g) and (h).

The fiduciary exemption is the one Connecticut heirs ask about most. An executor or administrator selling out of an estate need not complete the standard report, which fits the reality that a fiduciary often never lived there. Our guide to selling an inherited house in Connecticut covers how that authority is created.

Inside the 07/2025 Property Condition Report

The current Residential Property Condition Report runs 9 pages and 65 numbered questions across nine lettered sections (Connecticut Department of Consumer Protection, Residential Property Condition Report, revised 07/2025). Subsection (d) of the statute dictates the content and the order.

Several questions reach records rather than observations. Question 20 asks whether an underground storage tank ever sat on the property during your ownership, and if it was removed, it wants the date, the remover's name and address, and your documentation. Questions 41 and 42 do the same for foundation testing and repairs.

What Public Act 25-33 Added in 2025

Public Act 25-33 added a Flood Risk Awareness section to the property condition report, effective July 1, 2025 (Public Act 25-33, sections 3 and 4). Section 3 rewrote subsection (d)(2) to add six questions as section I of the form. Section 4 added a flood notice to the Important Information block.

Flooding used to appear on the form mainly as one general question about flood hazard areas and inland wetlands. That question survives at number 7. The six new ones are more specific, including whether a FEMA elevation certificate exists and whether any past owner received disaster assistance for flood damage.

The notice explains why that assistance question travels with the house. Properties that previously received federal disaster assistance must carry flood insurance to stay eligible for future assistance, and the form states this requirement affixes to the property and binds all future owners. The notice also cautions that a property need not be near water to flood.

The Residential Foundation Condition Report

Connecticut has a second disclosure form for crumbling concrete foundations, and it reaches a deliberately narrow set of transfers. Subsections (g) and (h) of § 20-327b require a "Residential Foundation Condition Report" when both halves of a two-part test are true.

• Location: the property sits in a municipality that the Capitol Region Council of Governments determines is affected, or potentially affected, by crumbling foundations.
• Acquisition: the property was acquired by a political subdivision of this state, or by a judgment of strict foreclosure, or by foreclosure by sale, or by a deed in lieu of foreclosure.

Read that trigger carefully before assuming it applies to you. An ordinary owner-occupant selling in an affected town does not file this form. A bank or municipality selling a house that came to it through foreclosure there does. The Department of Consumer Protection publishes the form alongside the standard report, also revised 07/2025, and points sellers to the Capitol Region Council of Governments list of affected towns.

The foundation form is three pages and asks three questions: any knowledge of pyrrhotite in a concrete foundation, any damage or deterioration in one, and any repairs or remediation. Its instructions add a line the standard form lacks: you are not required to undertake investigations or inspections of the foundation to verify your answers.

Connecticut REALTORS also maintains a Concrete Advisory and Disclosure for Sellers and Buyers form, revised October 1, 2025 (CT REALTORS, Concrete Foundation Advisories). Member agents use it to document seller knowledge of foundation tests, repairs, and claims. That form is industry practice, not a statutory requirement.

The $500 Credit and the Duty It Does Not Cancel

Every purchase agreement covered by the act must require the seller to credit the buyer $500 at closing if the seller fails to furnish the report (Conn. Gen. Stat. § 20-327c). Public Act 12-122 raised the amount from $300 to $500, effective July 1, 2012. The credit is written into the contract, not assessed by a regulator.

Sellers sometimes treat that $500 as the price of opting out. Subsection (b) closes that door. No seller who credits a buyer is excused, by reason of the credit, from disclosing a defect that meets three tests at once:

• It is subject to disclosure under § 20-327b.
• It is within the seller's actual knowledge.
• It significantly impairs the value of the real estate, the health or safety of future occupants, or the useful life of the real estate.

Subsection (c) gives the buyer a remedy. A purchaser may bring a civil action in the judicial district where the real estate sits to recover actual damages from a seller who fails to disclose such a defect, without limiting other remedies. Paying $500 to skip paperwork and then staying silent about a failing septic system is the worst of both outcomes.

Federal Lead Paint Disclosure for Pre-1978 Houses

If your Connecticut house was built before 1978, a federal disclosure duty applies on top of the state form, and no state exemption waives it. The Residential Lead-Based Paint Hazard Reduction Act, codified at 42 U.S.C. § 4852d, sets requirements the EPA and HUD enforce (EPA, Lead-Based Paint Real Estate Disclosure). The Connecticut Department of Public Health summarizes what sellers owe buyers (Connecticut DPH):

• Give the buyer the EPA pamphlet "Protect Your Family From Lead in Your Home."
• Disclose any known lead-based paint and any known lead-based paint hazards.
• Furnish any available records or reports about lead-based paint.
• Allow the buyer a 10-day window to arrange a lead inspection, which the buyer may waive.
• Keep the documentation for at least three years after the transaction.

Note how this interacts with the state form. Questions 35 and 36 ask whether lead paint and lead plumbing are present and where. Answering them is not the same as satisfying the federal rule, which also requires the pamphlet, the records, the inspection window, and signed contract language.

Does Selling a House As Is in Connecticut Remove the Disclosure Duty?

No. An as-is clause sets expectations about repairs, and it can shift the risk of defects neither party knew about. It appears nowhere in the exemption list in § 20-327b(b), so it cannot remove the report requirement, and it cannot turn a known defect into an unknown one.

The two documents answer different questions. The as-is clause answers "who fixes it." The condition report answers "what do you know." You comply with both.

An as-is clause still earns its place. It ends the repair negotiation, so you are not funding a credit at closing or scheduling contractors before you move. It also shifts risk on genuine unknowns, which is real protection for the owner of a 1920s house.

What it does not cover is an answer you knew was wrong when you wrote it. The safest sequence for a Connecticut seller of an older house is straightforward: disclose fully, sell as-is, and let the price carry the condition. That is how most sales to a direct cash buyer work, including a cash sale of a Connecticut house.

How a Direct Cash Sale Changes the Disclosure Conversation

The report still gets delivered in a cash sale, because § 20-327b(c) applies with or without a licensed broker. What changes is the reaction across the table. A financed buyer reads a disclosed defect and often returns with a repair demand, a credit request, or a lender who wants it corrected before funding. A cash buyer reads the same line and prices it.

Propcash is a direct cash homebuyer, founded in 2026 and based in Nashville, and we buy houses across Connecticut as-is. We do not ask a seller to repair what the report reveals. A 1930s boiler, an old oil tank in the yard, a wet basement in a Frog Hollow two-family, or a foundation with a pyrrhotite question mark can all be disclosed and still transact.

• You still complete the form. Fill it out honestly and deliver it before any binder or contract is signed.
• Attachments come with it. Radon reports, well water tests, foundation inspections, and tank removal records travel with the form, per questions 20, 29, 41, 42, and 57.
• No repair list follows. Propcash buys as-is, so disclosed conditions typically shape the offer instead of a punch list.
• No financing contingency sits behind it. Cash transactions do not require bank underwriting or an appraisal, so a disclosed condition is less likely to derail a closing.
• You pick the closing date. Cash transactions can close in as few as 7 days, or later if a probate step needs room.

If the house needs work you would rather not manage, our guide for houses needing major repairs covers the tradeoff. You can also get a cash offer on your Connecticut house and compare it against a listed sale.

Frequently Asked Questions

Do I still have to fill out a property condition report if I sell my house as is in Connecticut?

Yes, in almost every case. Conn. Gen. Stat. § 20-327b ties the report to the type of property and the type of transfer, not to the wording of your contract. An as-is clause tells the buyer you will not make repairs, and it can shift the risk of unknown defects. It is not in the exemption list, and it does not erase your duty to answer honestly.

What happens if a Connecticut seller does not provide the residential property condition report?

Conn. Gen. Stat. § 20-327c requires every covered purchase agreement to credit the buyer $500 at closing when the seller fails to furnish the report. The amount rose from $300 to $500 effective July 1, 2012. Subsection (b) is the part sellers miss: paying the credit does not excuse a seller from disclosing a known defect that significantly impairs value, health or safety, or useful life.

Who is exempt from Connecticut seller disclosure requirements?

Subsection (b) of Conn. Gen. Stat. § 20-327b lists nine exempt transfers. They cover transfers among co-owners, transfers to a close family member where no consideration is paid, and new construction carrying an implied warranty. They also cover transfers by executors, administrators, trustees or conservators, government transfers, and property acquired through foreclosure or a deed in lieu. The foreclosure and political-subdivision exemptions are subject to subsections (g) and (h).

Is the Connecticut property condition report a warranty on the house?

No. The form states that representations made by the seller do not constitute a warranty, and that the report is not a substitute for inspections and tests. Conn. Gen. Stat. § 20-327d says nothing in the act creates new warranties, and § 20-327e limits the seller's representations to actual knowledge. You are reporting what you know, not promising how the house will perform.

What is the Residential Foundation Condition Report and who has to fill it out?

It is a separate three-page form prescribed by the Department of Consumer Protection under subsections (g) and (h) of Conn. Gen. Stat. § 20-327b. It applies only when both halves of a narrow test are true. The property must sit in a town the Capitol Region Council of Governments determines is affected or potentially affected by crumbling foundations. It must also have been acquired by a political subdivision of this state, or through foreclosure or a deed in lieu.

Do I need to test for radon or pyrrhotite before selling a house in Connecticut?

No. Conn. Gen. Stat. § 20-327d states that the act does not require a seller to secure inspections, tests, or other methods of determining the physical condition of the property. The form asks whether a radon test has been performed and whether you have knowledge of pyrrhotite in the foundation, not what the readings are. If a report does exist, the form tells you to attach it.

Does a cash buyer still need the Connecticut disclosure report?

Yes. The statute applies to one-to-four-unit residential transfers with or without a licensed broker, so a direct cash sale is covered the same way a listed sale is. What changes is what happens after the buyer reads it. Propcash buys houses as-is and does not ask sellers to repair what the report reveals, so a disclosed roof leak is priced into the offer rather than turned into a repair demand.

Data Sources: Conn. Gen. Stat. §§ 20-327b to 20-327e (Connecticut General Assembly). Connecticut Public Act 25-33. Connecticut Department of Consumer Protection, Residential Property Condition Report and Residential Foundation Condition Report, revised 07/2025. Connecticut Department of Public Health. US EPA. Connecticut REALTORS. Zillow Home Value Index, June 2026. Propcash is a direct cash homebuyer, not a law firm. Connecticut sellers should consult a Connecticut-licensed real estate attorney about a specific transaction.