South Carolina Seller Disclosure Requirements | SC Code §27-50-10

Key Information

South Carolina requires sellers of residential real property to provide a Residential Property Condition Disclosure Statement under SC Code §27-50-10 et seq. The disclosure must be provided to the buyer before the buyer makes a written offer. SC's statement covers known defects in major property systems, environmental conditions, and legal matters. South Carolina also requires lead-based paint disclosure for pre-1978 homes under federal law 42 U.S.C. §4852d. BuildMyListing helps South Carolina agents document property conditions and generate compliant listing packages.

Pricing: Starting $99/month

Time Required: Complete disclosure package in one workflow

The Problem

South Carolina's §27-50-10 et seq. requires the Residential Property Condition Disclosure Statement before the buyer's written offer. In SC's active coastal and golf-community markets, disclosure documentation is scrutinized closely — missing items or late delivery creates preventable liability for listing agents.

The Solution

BuildMyListing helps South Carolina listing agents structure property condition documentation, meet the §27-50-10 pre-offer delivery requirement, and generate professional listing packages with compliance tracking.

Key Features

SC Disclosure Statement Documentation

Structure property condition information aligned with South Carolina's Residential Property Condition Disclosure Statement categories — roof, foundation, HVAC, plumbing, electrical, environmental, and legal matters including HOA and easements.

Benefit: Organized documentation that meets §27-50-10 et seq. requirements

Pre-Offer Delivery Workflow

South Carolina requires the disclosure before the buyer's written offer. BuildMyListing includes delivery tracking to ensure the statement reaches the buyer at the correct stage.

Benefit: Meet SC's pre-offer timing requirement on every listing

Lead-Based Paint Addendum

For South Carolina homes built before 1978, the federal lead-based paint disclosure form and EPA pamphlet delivery are included as required by 42 U.S.C. §4852d.

Benefit: Federal compliance built in for pre-1978 SC properties

MLS-Ready Listing Package

Generate enhanced photos, MLS description, flyers, and social captions alongside compliance documentation — all in one workflow.

Benefit: Listing-ready in a single session

How It Works

Enter Property Details and Known Conditions

Input the property address, construction year, and known conditions. BuildMyListing flags South Carolina disclosure categories based on property type and age.

Generate South Carolina Disclosure Checklist

A South Carolina-specific checklist is generated covering all §27-50-10 categories, lead paint requirements for pre-1978 homes, and flood/coastal disclosures where applicable.

Download Listing Package with Compliance Documentation

Download the complete listing package with enhanced photos, MLS description, and a compliance summary with delivery timestamps for your broker file.

Compliance Reference

Disclosure Requirement	Legal Basis	When Required	Notes
Residential Property Condition Disclosure Statement	SC Code §27-50-10 et seq.	All residential sales	Must be provided before the buyer makes a written offer. Covers known defects in major systems and environmental conditions.
Lead-based paint disclosure	42 U.S.C. §4852d (federal)	Homes built before 1978	Federal law requires disclosure, EPA pamphlet delivery, and 10-day inspection right for buyer.
Flood plain / coastal disclosure	Best practice + SC RECI guidance	Coastal and flood-prone properties	Known flood plain designation, flood history, and proximity to tidal waters should be disclosed. SC's coastal and wetland regulations add complexity.
HOA / POA disclosure	SC Code §27-50-10	Properties subject to HOA/POA	Homeowners and property owners association membership, fees, and restrictions should be disclosed. SC has extensive HOA-governed communities especially in coastal markets.
Septic system disclosure	SC Code §27-50-10	Properties with septic	Known septic system condition, age, and any failures must be disclosed. SC DHEC regulates septic systems.

Common Use Cases

Charleston Area Home with HOA

Scenario: Agent listing a home in a Charleston-area gated community with HOA fees and restrictions. SC Code §27-50-10 disclosure requirements and HOA disclosure sections must both be addressed.

Process: Enter property and HOA details → BuildMyListing generates SC disclosure checklist with HOA section → Pre-offer delivery tracked → Full package downloaded

Compliance: §27-50-10 requirements satisfied including HOA disclosure sections

Hilton Head Coastal Property with Flood History

Scenario: Agent listing a Hilton Head property with known flood history. Flood history is a material condition requiring disclosure in the SC Residential Property Condition Disclosure Statement.

Process: Document flood history → BuildMyListing generates disclosure checklist with flood section flagged → Package notes recommendation for attorney review of coastal disclosure obligations → Full listing package generated

Compliance: Known flood history documented — material condition disclosed

Frequently Asked Questions

What is South Carolina's Residential Property Condition Disclosure Statement?

South Carolina Code §27-50-10 et seq. requires sellers of residential real property to provide a Residential Property Condition Disclosure Statement to buyers before the buyer makes a written offer to purchase. The statement covers the seller's knowledge of the condition of major property systems including roof, foundation, HVAC, plumbing, electrical, well and septic, and environmental conditions. The South Carolina Association of Realtors provides a standardized form used statewide.

When must the SC disclosure statement be delivered?

Under SC Code §27-50-10 et seq., the Residential Property Condition Disclosure Statement must be provided to the buyer before the buyer makes a written offer to purchase. This is a pre-offer requirement. If the seller fails to provide the statement before the offer, the buyer may rescind the contract within a specified period after receiving the late disclosure. Agents should build disclosure delivery into the pre-listing workflow. Consult a licensed real estate attorney for specific guidance on timing requirements and rescission rights.

Are there exemptions from South Carolina's disclosure requirement?

Yes. SC Code §27-50-10 et seq. provides exemptions for: transfers between family members (spouse, child, grandchild, parent, grandparent, sibling), transfers pursuant to a court order, foreclosure sales, transfers to or from a governmental entity, and transfers where both parties agree in writing to waive the disclosure requirement. New construction and transfers by persons who have never occupied the property may also qualify. Confirm exemption status with a licensed real estate attorney.

Does South Carolina require coastal or flood disclosure?

South Carolina does not have a standalone coastal or flood disclosure statute for residential sales (as of early 2026), but known flood plain designation, flood history, and proximity to tidal waters are material conditions that should be disclosed in the SC Residential Property Condition Disclosure Statement. South Carolina's coastal areas are subject to FEMA flood zone designations, NFIP insurance requirements, and SC OCRM (Office of Coastal Resource Management) regulations. Consult a licensed real estate attorney for guidance on coastal disclosure obligations specific to your listing.

Does South Carolina require HOA disclosure?

South Carolina's disclosure statement includes sections for homeowners association and property owners association membership, fees, restrictions, and pending assessments. SC's coastal and resort markets — including Hilton Head, Kiawah Island, and Myrtle Beach — have extensive HOA-governed communities. Sellers must disclose known HOA obligations as part of the §27-50-10 disclosure process. Some SC master-planned communities also have covenants and restrictions that must be disclosed.

When does federal lead paint disclosure apply in South Carolina?

Federal law — 42 U.S.C. §4852d — requires lead-based paint disclosure for housing built before 1978, including South Carolina properties. Sellers must provide the federal disclosure form, deliver the EPA pamphlet, disclose known lead hazards, and give buyers 10 days for a lead inspection. This requirement is separate from SC's state disclosure form.

How does South Carolina disclosure compare to North Carolina and Georgia?

South Carolina's §27-50-10 pre-offer model is similar to North Carolina's Residential Property Disclosure Statement (N.C. Gen. Stat. §47E) and Georgia's Seller's Property Disclosure Statement. All three require standardized forms with pre-offer or at-offer delivery. North Carolina has a more detailed statutory form and stronger buyer rescission rights. Georgia's form is comprehensive but delivery timing rules differ slightly. South Carolina's coastal market complexity — with flood zones, OCRM oversight, and HOA-heavy communities — adds layers not present in inland markets.

BuildMyListing provides compliance documentation — does it provide legal advice?

No. BuildMyListing provides compliance documentation tools, not legal advice. The platform helps agents structure and document the disclosure process but does not provide legal interpretation of South Carolina statutes or advise on specific disclosure obligations. Consult a licensed real estate attorney for questions about your disclosure obligations, coastal disclosure requirements, HOA disclosure, or legal liability in South Carolina transactions.

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South Carolina Listing Disclosure Requirements — SC Code §27-50-10 Explained