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Virginia Beach Home Seller Disclosure Requirements (2026)

Published October 2, 2025
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Virginia Beach Home Seller Disclosure Requirements (2026)

Virginia's disclosure framework allows full disclosure or a "no representation" disclaimer, but specific enumerated items must be disclosed regardless of which approach you take. Virginia Beach sellers must disclose military air installation noise zone proximity and flood status as mandatory items.

Virginia Residential Property Disclosure Framework

Virginia Code §55.1-700 et seq. governs seller disclosure. Sellers choose between:

  • Full disclosure: Complete the Residential Property Disclosure Statement covering all known material defects
  • No representation: Seller states they make no representations about the property's condition — buyer accepts "as is" with opportunity for inspection

    • Regardless of which approach you take, Virginia Code requires specific disclosures:

    Mandatory disclosures regardless of approach:

  • Flood zone and flooding history: Whether the property is in a FEMA Special Flood Hazard Area; whether the property has flooded while the seller owned it
  • Military air installation noise: Whether the property is in a noise or accident potential zone (APZ) adjacent to a military air installation
  • Dam break inundation zone: Whether the property is in a mapped dam break inundation zone
  • Chinese drywall: If seller has knowledge of defective drywall (Chinese drywall was installed in some homes built 2001–2009 and has caused significant damage)
  • HOA: Whether the property is subject to an HOA or PUD

    • Flood Zone Disclosure — Virginia Beach's Evolving Risk

    Virginia Beach is increasingly aware of sea level rise and its impact on flooding. The Hampton Roads area is one of the fastest-experiencing sea level rise locations on the US East Coast — a combination of actual sea level rise and land subsidence (the land is sinking).

    Some Virginia Beach neighborhoods that didn't flood historically are now experiencing "sunny day" flooding (flooding during high tides without rain). If your property has flooded, even from tidal events, disclose it.

    Check FEMA flood zone at msc.fema.gov and provide buyers with current flood zone information. Buyers with federally backed mortgages in SFHAs must carry flood insurance.

    Military Air Installation Noise Zone

    NAS Oceana is Virginia Beach's largest air installation and one of the East Coast's busiest military airfields. F/A-18 Super Hornets operate from Oceana and create significant noise impacts in defined zones.

    Virginia Code §55.1-705.2 requires disclosure if your property is in an AICUZ noise or APZ zone. The Virginia Beach city government maintains AICUZ zone maps.

    Properties in highest-noise zones (>75 dB DNL) face additional restrictions: conversion of agricultural to residential is restricted; some financing products have limits.

    VA Loan Buyer Preparation

    Given Hampton Roads' military concentration, you should prepare specifically for VA loan buyers:

  • Have a Wood Destroying Organism (WDO) inspection ready or be prepared for buyers to order one
  • Address any MPR issues (roof condition, HVAC, safety hazards) before listing
  • Have your deed and title information organized for efficient closing
  • Understand the VA Escape Clause — if your home appraises below contract price, VA buyers can walk without losing earnest money

    • Virginia Grantor's Tax

    Virginia charges a grantor's tax of $0.10 per $100 of consideration (or $1/$1,000). On a $355,000 sale: $355. This is the seller's primary state-level closing cost.

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