Home Buying in 36420>Question Details

Gooden, Home Owner in 36420

DO real estate agents have to disclose flood hazard areas?

Asked by Gooden, 36420 Tue Mar 13, 2012

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The State of Alabama goes by "caveat emptor" - Buyer Beware. In other words, the buyer must satisfy himself as to the condition or other concerns about the property. Like home or termite inspections. In Covington County where we both live, you can obtain a flood cert or Elevation cert for around $20. It should show on the MLS sheet if the agent clicked on the box to show it as being in a flood zone (albeit, it does come under the "features" category).

Erin Clark
Advantage Realty
112 E. Three Notch St.
Andalusia, AL. 36420
Web Reference: http://www.aresells.com
1 vote Thank Flag Link Wed Mar 14, 2012
legally do agents have to tell you about flooding
0 votes Thank Flag Link Thu Dec 26, 2013
As part fo the mortgage approval process, the buyer's lender will obtain a Flood Cert. That Flood Cert will tell what type, if any, of flood zone the property is located in. Apprasiers will often pull those as well when the appraisal is performed. I am not sure that the real estate agent would know about a flood zone unless the seller disclosed it to them.

Rodney Mason, NMLS #151088
Sr Loan Officer
Prospect Mortgage
825 Juniper St NE, Atlanta, GA 30308
Office: (404) 591-2453
Apply Online at http://www.rodneymason.com
Licensed in Alabama & Georgia

Prospect Mortgage offers a full selection of mortgage programs including:
Conventional | FHA | FHA 580-639 FICO | FHA 203K Renovation (Streamline & Consultant) | HomePath® | HomePath® Renovation | HomeStyle Renovation | VA | USDA | GA Dream | Jumbo Financing
Web Reference: http://www.rodneymason.com
0 votes Thank Flag Link Tue Mar 13, 2012
Things like Floor Hazards, Earthquake faults, Airport Noise, Prisons, Weapons Dumps, and Landfills are treated separately in another disclosure.
This is provided after the Escrow is opened, because we have to pay for it.

Good luck and may God bless
0 votes Thank Flag Link Tue Mar 13, 2012
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