If you're selling a home in Victoria, Minnesota law says you have to tell the buyer in writing about any problem you know of that could significantly affect their use and enjoyment of the house. Mitch & Meghan, part of the Scrimgeour Group with eXp Realty, get this question from sellers in Watermark, Deer Run and across Victoria. This is general information, not legal advice, so talk to a real estate attorney about your own situation.

What does Minnesota law require a home seller to disclose?

You have to disclose any material fact you know about that could adversely and significantly affect an ordinary buyer's use or enjoyment of the home. That rule is Minnesota Statutes section 513.55. A basement that takes on water every spring or a roof near the end of its life are common examples. You disclose what you know, in good faith.

When do I have to give buyers the disclosure?

You give the written disclosure to the buyer before you sign a purchase agreement. Most sellers finish it before the home goes on the market, so buyers can read it with the listing. If something changes, or you learn a statement was wrong, you tell the buyer in writing as soon as you can and always before closing.

Are there special disclosures for radon, wells and septic systems?

Yes, Minnesota has separate rules for radon, wells and septic systems, all due before the purchase agreement is signed. For radon, you share any test results and mitigation you know about, plus the Minnesota Department of Health's radon publication. Wells and private septic systems need their location and status disclosed. Homes built before 1978 need the federal lead paint disclosure.

Do I have to disclose problems I didn't know about?

You aren't liable for problems you didn't know about, and you don't need inspectors checking every corner. Ordinary wear like scuffed floors doesn't need to be listed. Sellers get in trouble when they leave off something they did know. A buyer can sue for damages up to two years after closing over a known problem that wasn't disclosed.

Can I skip the seller disclosure form in Minnesota?

You can skip it only if the buyer agrees in writing to waive it or you provide a qualified inspection report instead. For a typical family home in Victoria or Chanhassen, we don't recommend either one. In our experience, a waiver makes buyers wonder what's being hidden, and a complete disclosure keeps the inspection and negotiation calmer.

Does my city require a truth-in-housing inspection before I sell?

Some Twin Cities area cities require a city inspection before a sale, often called Truth in Housing, and sellers must share that report with buyers. Cities with these programs have included Minneapolis, Bloomington, Richfield and St. Louis Park. Rules change, so call your city's building department before you list, whether you live in Victoria, Minnetonka or Edina.

How do Mitch & Meghan help with the disclosure?

Meghan keeps the paperwork side of your sale organized, including the disclosure statement, so it's complete before buyers start asking questions. Mitch weighs what's on it when pricing, since an older roof changes what buyers will pay. If you're also buying next, our moving up or downsizing page explains how we line up both moves.

Getting ready to sell in Victoria and want a second set of eyes on your disclosure form before your home goes on the market? Call or text Mitch & Meghan at (612) 720-5171.

Sources: Minnesota Statutes sections 513.52 to 513.61 (seller disclosure law), as summarized in Nolo, "Selling a Minnesota Home: What Are My Disclosure Obligations?" (nolo.com, read November 2026); Minnesota Attorney General, Home Seller's Handbook (ag.state.mn.us, read November 2026); MN Real Estate, "What cities in the metro area require a city inspection to sell your home?" (mnrealestate.com, October 2021). General information only; talk to a real estate attorney about your sale.