What Documents Do You Need to Sell a House in Arizona?

You’ve decided to sell. Then someone mentions the SPDS, a CLUE report and the HOA packet, and suddenly the house feels like the easy part.

Take a breath. The list is long, not mysterious. Some of it you fill out yourself. The rest someone else produces on request, and those are the pieces that stall a closing.

Short answer: To sell a house in Arizona you’ll need your deed and title details, a mortgage payoff, the Seller’s Property Disclosure Statement (SPDS), a five-year insurance claims history, and any HOA resale disclosure. Depending on the home, add a lead paint disclosure, pool safety notice, well or septic records, solar contracts and an Affidavit of Disclosure.

What documents do you need to sell a house in Arizona?

Every Arizona seller needs proof of ownership, a loan payoff (if there’s a mortgage), the SPDS and an insurance claims history. The rest depends on the property.

Our take: start with the documents other people produce. You control the SPDS. You don’t control how fast an HOA manager answers.

Who handles the deed and title in an Arizona sale?

A title and escrow company. Arizona homes close through escrow, where a neutral escrow officer holds the money, orders the title report and records the new deed.

You don’t need the original paper deed, but know how title is held (you, a spouse, a trust, an LLC), since that decides who signs. The Maricopa County Recorder lets you view your deed online and sells official copies for $1.00 per page. An old lien or name mismatch on the title report is a question for your escrow officer or a real estate attorney.

How do you get your mortgage payoff?

Your escrow officer usually requests it from your servicer once you’re under contract. You supply the loan number and your authorization.

A servicer must send an accurate payoff within seven business days of a written request, under the Consumer Financial Protection Bureau’s Regulation Z. A HELOC or second loan needs its own payoff, so pull statements for every loan before you list.

What is the SPDS and what does it cover?

The SPDS is the Arizona Association of Realtors form where you tell the buyer what you know about the home. Under the standard Arizona purchase contract you deliver it within three days after contract acceptance, per the Arizona Association of Realtors.

It covers the HOA and liens, the roof, termites, plumbing, the pool, scorpions, unpermitted work, water source, sewer or septic, flood zones, soil, nearby airports and mold. Fill it out before you list, while you can still find the roof invoice. Unsure how to answer something? Ask a real estate attorney.

Why does an Arizona buyer want your CLUE report?

Because the standard Arizona contract asks for it. The seller provides a written five-year insurance claims history for the property (or for the time you’ve owned it) within five days after contract acceptance, according to the Arizona Association of Realtors.

A CLUE report from LexisNexis is the usual source, though your insurer’s claims letter works. Past water or roof claims can affect the buyer’s premium, so ask your insurance agent for it the week you list. Our post on Arizona home insurance before you buy or list goes deeper.

What does an Arizona HOA have to provide, and what changed in 2026?

The HOA resale disclosure: bylaws, rules, the declaration, recent board minutes, the budget, reserve study, dues, unpaid liens, pending lawsuits and any open violations on your lot. It’s due within 10 days after you accept an offer, under A.R.S. 33-1806 for planned communities and A.R.S. 33-1260 for condos.

With fewer than 50 homes, you deliver it. With 50 or more, you send the association written notice of the accepted offer (buyer’s name, email and mailing address) and it has 10 days to deliver. Fees are capped at $400, plus up to $100 for a 72-hour rush, collected at closing.

HB 2397 (Laws 2026, Chapter 249) took effect September 12, 2026, the Legislature’s general effective date. The Arizona House bill summary says it added that buyer-contact notice, declarant control disclosures, the right to see summarized reports in full, and liability for knowingly or recklessly false statements. Call your HOA manager before you list.

Do you need an Affidavit of Disclosure?

Only if you’re selling five or fewer parcels of land, other than subdivided land, in an unincorporated part of a county. That’s common on acreage outside Queen Creek, Cave Creek or the far West Valley.

Under A.R.S. 33-422, the buyer gets it at least seven days before transfer and can rescind for five days after. It covers access, roads, flood plains, fissures, water and wastewater. Your title company can tell you if it applies.

What if your Arizona home was built before 1978?

You owe the buyer a federal lead-based paint disclosure, which comes up often in older Phoenix and Tucson neighborhoods.

The EPA’s lead disclosure rule requires the federal lead pamphlet, disclosure of any known lead paint and reports, a Lead Warning Statement in the contract, and a 10-day inspection window. Keep signed copies for three years.

What pool paperwork does Arizona require?

A pool safety notice. Under A.R.S. 36-1681, anyone who sells a home with a swimming pool has to give the buyer a notice explaining safety education and pool owner responsibilities, approved by the state health department.

Use the Arizona Department of Health Services residential pool safety notice. The statute also sets barrier standards (a five-foot enclosure, self-closing gates), and cities can add their own, so check with yours if you’ve changed the fence.

What if the home has a well or septic system?

Plan for a septic inspection and a well ownership update, both routine in rural Pinal, Yavapai and Pima counties.

The Arizona Department of Environmental Quality requires a septic inspection within six months before transfer, and the buyer files a Notice of Transfer within 15 days after. Pima County also has sellers file the report with a $50 fee. For wells, the Arizona Department of Water Resources needs an ownership update (form 55-71A).

What solar documents does an Arizona buyer need?

Owned panels need warranty and install paperwork. Leased or financed panels need the contract, because the lease transfers or the loan gets paid off at closing.

Call your solar company early, since lease transfers can take weeks. More in selling a house with solar panels in Arizona.

How do Arizona property taxes show up at closing?

Escrow checks your tax status and prorates the year, so unpaid taxes come out of your proceeds.

Taxes come in two halves under A.R.S. 42-18052, and the Maricopa County Treasurer lists 2026 first-half taxes as delinquent after 5 pm on November 2, 2026. Closing in November? Ask your escrow officer whether to pay it yourself first.

In what order should an Arizona seller gather everything?

Slow requests first, forms you control last.

1. Ask your HOA manager and solar company for timelines and fees.
2. Book a septic inspection if you have one, and find your well registration.
3. Request your CLUE report from your insurance agent.
4. Gather loan statements, your deed and how title is held.
5. Pull warranties, permits and repair receipts.
6. Fill out the SPDS (and lead paint form if pre-1978) before you list.
7. Under contract: escrow orders title and payoff; notify the HOA.

When you’re ready, see how selling with Homie works, or use Homie’s seller toolkit for the rest of the prep.

Quick answers

Do you need a lawyer to sell a house in Arizona?

Usually not. Arizona sales typically close through a title and escrow company, which prepares closing documents, holds the money and records the deed. A real estate attorney is still worth a call if the title report shows a lien or name problem, the home sits in a trust or estate, or you’re unsure how to answer an SPDS question.

What documents do you need to sell a house by owner in Arizona?

The same ones, with nobody else tracking them. You’d still deliver the SPDS, a claims history, any HOA disclosure, and lead paint and pool notices where they apply, and you’d still close through escrow. Your duty to disclose doesn’t shrink when you sell it yourself, so have a real estate attorney review the contract.

How long does an Arizona HOA have to send resale documents?

Ten days. In an HOA with 50 or more homes, the clock starts when the association receives your written notice of the accepted offer, which must include the buyer’s name, email and mailing address. In smaller HOAs, you deliver the package yourself within 10 days of accepting the offer. A rush within 72 hours can cost up to $100.

What should you ask a real estate agent about paperwork when selling?

Ask which documents they prepare, which you request, and which escrow handles. Ask who contacts the HOA and how they track the three-day SPDS and five-day claims history deadlines in the Arizona contract. A good agent answers all of that in one conversation, with dates, before you sign a listing agreement.

The bottom line

Arizona sellers rarely lose a deal over the SPDS. They lose time waiting on an HOA packet, a septic inspector or a solar company. Make those calls before the sign goes up, and the rest is just signatures.

Ready to sell in the Valley or anywhere Homie works in Arizona? A Homie agent keeps every one of these on schedule. Start your Arizona home sale with Homie. Whether you’re buying, selling, or doing both, Homie has your back.

— The Homie Team

*Examples are for illustrative purposes only. This article is general information, not legal, tax, lending or insurance advice.