Chattanooga TN FSBO Disclosure Requirements — Including Flood Plain Rules (2026)

Tennessee Property Condition Disclosure

Tennessee requires the Residential Property Condition Disclosure for all residential sales (3 or fewer units). Deliver to buyer before or at offer acceptance. The form covers all known material defects.

Disclosure form sections

Structural: foundation, roof, walls, floor, attic

Mechanical: HVAC, plumbing, electrical, water heater

Environmental: lead paint, radon, underground tanks, asbestos

Water: public or well; quality issues

Sewer: public or septic; septic condition

Flood: 100-year flood plain status must be explicitly disclosed

Tennessee Flood Disclosure

Tennessee requires sellers to disclose whether the property is located within a 100-year flood plain. Check FEMA's Flood Map Service Center (msc.fema.gov). If in a flood plain, buyers will need flood insurance — disclose this early so it doesn't derail the deal at financing.

No Attorney Mandate

Tennessee does not require an attorney at closing. Title companies handle most closings. An attorney review of the purchase contract is optional but useful.

Tennessee Transfer Tax

Tennessee charges a real estate transfer tax (documentary stamp tax) of $0.37 per $100 of value. On a $300,000 home, that's $1,110.

Download the TN disclosure form at byownerhub.com/chattanooga#disclosures.