📚 Guide Library
Home Buying Document Guides by Location
Every state, metro, and ZIP code has its own disclosures, taxes, and risks. These guides break down exactly which documents matter where you're buying — and what buyers in that market miss most often — so you know what to review before you remove contingencies.
State guides
Statewide disclosure law, taxes, and the documents that catch buyers off guard.
California
43+ documents, NHD, wildfire zones, supplemental tax
Texas
Caveat emptor, MUD/PID taxes, survey & title curative
Florida
Hurricane & flood, sinkhole, HOA/condo assessments
New York
Attorney-driven closings, co-op board packages
Washington
Form 17 disclosure, landslide & seismic risk
Colorado
Wildfire, water rights, HOA covenants
Arizona
SPDS disclosure, well/water, HOA disclosure packet
Nevada
SRPD disclosure, HOA resale, water rights
Oregon
Seller property disclosure, wildfire, land use
Georgia
Caveat emptor, termite letter, HOA covenants
Illinois
Residential disclosure, flood, high property taxes
California metros
Regional risk and cost patterns across California's major markets.
Bay Area
Wildfire hills, Mello-Roos, highest supplemental tax
Los Angeles
Wildfire, rent-control units, Mello-Roos
San Diego
Wildfire, coastal, Mello-Roos in newer builds
Sacramento
Flood zones, Mello-Roos, valley heat/insurance
Orange County
Coastal, HOA-heavy, Mello-Roos
Inland Empire
Wildfire fringe, newer HOAs, Mello-Roos
Fresno
Central Valley flood & ag interface, HOA growth
Popular ZIP code guides
Each ZIP page covers the exact document requirements, hazard designations, and buyer risk factors for that area.
Not sure where to start?
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