St. Louis Home Seller Disclosure Requirements (2026)
Missouri's Seller Disclosure Statement is the required form for Missouri-side St. Louis sellers. Illinois-side sellers follow the Illinois Residential Real Property Disclosure Act instead. Key issues include lead paint (St. Louis City has one of the US's oldest housing stocks), Missouri/Mississippi River flood zones, and radon.
Missouri Disclosure Framework
Missouri Statute §339.730 requires the Seller Disclosure Statement. Sellers provide it before or at contract; buyers have 5 days after receipt to rescind. Missouri's "known conditions" standard means you're disclosing what you know, not conducting an independent investigation.
Lead Paint in St. Louis City
St. Louis has extraordinary pre-1940 housing density — the Hill, Shaw, Tower Grove, Carondelet, Soulard, and other city neighborhoods have block after block of brick homes built before 1930. Lead paint is near-universal in this housing stock. Federal Lead-Based Paint Disclosure is required for all pre-1978 homes.
Missouri has had ongoing concerns about childhood lead poisoning in St. Louis, partly due to housing stock. Buyers with children, and FHA loan buyers, will be particularly attentive to lead paint disclosures. FHA requires repair of chipping, peeling, or deteriorating paint on pre-1978 homes before loan approval.
Missouri River and Mississippi River Flood Zones
St. Louis sits at the confluence of the Missouri and Mississippi Rivers — and has experienced some of the most significant flooding in US history at this location. FEMA flood zone designations affect properties along both rivers and their many tributaries.
Key areas with flood risk:
Check FEMA flood zone at msc.fema.gov. If your property is in a Special Flood Hazard Area, buyers with federally backed mortgages must carry flood insurance.
Radon in Missouri
Missouri has moderate radon risk. The Ozark Plateau geology and certain soil conditions create elevated radon in some areas. The Missouri disclosure form asks about radon. If tested, disclose results and mitigation system existence.
Illinois-Side Sellers
If your property is in Madison County, St. Clair County, or other Illinois metro east areas, you're subject to Illinois law (Illinois Residential Real Property Disclosure Act, not Missouri's disclosure requirement). Illinois also imposes documentary stamp taxes ($1.50/$500 state + county rates) that don't apply on the Missouri side.
HOA in St. Charles County and Suburbs
St. Charles County (O'Fallon, St. Peters, Lake St. Louis, Weldon Spring) has extensive planned community development with active HOAs. Disclose all fees, restrictions, and pending assessments. Provide CC&Rs and budgets to buyers.