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Yes! You can use AI to fill out New York State Department of State (Division of Licensing Services) Property Condition Disclosure Statement (DOS-1614-f)

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New York State Department of State (Division of Licensing Services) Property Condition Disclosure Statement (DOS-1614-f), page 1
Complex · 70/100Form Complexity Index

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What this form asks for

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The Property Condition Disclosure Statement (DOS-1614-f) is a New York State form used by sellers of certain one-to-four family residential properties to disclose known conditions affecting the home and property. It covers general property information, environmental risks (including flood-related disclosures), structural issues, and mechanical systems and services. The form is important because it must generally be delivered to the buyer or the buyer’s agent before the buyer signs a binding contract of sale, and knowingly false or incomplete disclosures can expose the seller to buyer claims. It is not a warranty and does not replace inspections; buyers are encouraged to obtain independent inspections and review public records.
Fillable fields272
Pages6
Sections56
Form Complexity IndexComplex, 70/100

The AI checks your answers before you download

16 checks built for this form, so a wrong date or a missing answer is caught before anyone else sees it.

Seller Name(s) Required and Properly Formatted

Validates that at least one seller name is provided and that each seller entry contains a plausible full legal name (e.g., not blank, not only initials, not only a company name unless the seller is an entity). This is important because the disclosure is a seller certification and must be attributable to the correct legal party. If validation fails, the submission should be rejected or flagged for correction before signatures are accepted.

Property Address Completeness and USPS-Style Structure

Checks that the property address is present and includes key components such as street number, street name, city, state (NY expected), and ZIP code (5-digit or ZIP+4). A complete address is necessary to tie the disclosure to the correct parcel and avoid misapplication to a different property. If the address is incomplete or malformed, the system should block submission or require address correction/standardization.

Ownership Duration and Occupancy Duration Are Non-Negative and Reasonable

Validates that the answers to 'How long have you owned the property?' and 'How long have you occupied the property?' are provided and are numeric durations (or a recognized format like years/months) that are not negative and not unreasonably large. This prevents data entry errors (e.g., negative years, nonsensical text) and supports downstream logic checks. If invalid, prompt the user to re-enter using the accepted duration format.

Occupancy Duration Cannot Exceed Ownership Duration (Logical Consistency)

Ensures the reported occupancy duration is less than or equal to the ownership duration, since a seller generally cannot occupy longer than they have owned (absent special cases that should be explained). This check catches common mistakes such as swapped values or typos. If the rule is violated, the system should require correction or an explanatory note in the free-text explanation area.

Structure Age Must Be a Valid Number and Triggers Lead Paint Advisory Flag

Validates that the 'age of the structure' is a numeric value within a reasonable range (e.g., 0–300 years) and not blank. If the age implies construction before 1978 (or if a build year is captured elsewhere), the system should flag that the lead-based paint advisory is applicable and ensure the user has not left the field ambiguous. If invalid, block submission until a valid age is provided.

Yes/No/Unkn/NA Questions Must Have Exactly One Selection

For each checkbox question that offers Yes/No/Unkn/NA (e.g., items 4–31, 33, 35, 38–55), validates that exactly one option is selected and that multiple selections are not allowed. This is critical to avoid contradictory disclosures (e.g., both Yes and No checked) and to ensure consistent interpretation. If validation fails, the system should require the user to choose a single option before proceeding.

And 10 more checks
  • Conditional Explanation Required When 'Yes' Is Selected for Title/Use Claims
  • Flood-Related 'Yes' Answers Require Details and Attachment Prompts
  • Flood Insurance Policy Attachment Required When Flood Insurance = Yes
  • Elevation Certificate Attachment Required When Available = Yes
  • Fuel Storage Tank Follow-Up Logic and Required Subfields
  • Environmental Testing Attachments Required When Testing = Yes
  • Water Source Selection Must Include At Least One Option and 'Other' Requires Text
  • Municipal Water Metering Question Must Be Answered When Municipal Selected
  • Sewage System Selection and Septic/Cesspool Dependent Fields Validation
  • Signature and Date Completeness for All Signing Parties

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How to Fill Out DOS-1614-f Online for Free in 2026

What the AI walks you through.

  1. Enter the seller name(s) and the full property address, and confirm the form applies to the transaction (NY residential real property, generally 1–4 family).
  2. Complete the General Information section by answering ownership/occupancy questions and marking Yes/No/Unknown/NA for rights, claims, shared features, fees, and certificates of occupancy, adding explanations where required.
  3. Fill out the Environmental section, including FEMA floodplain/SFHA/500-year floodplain questions, flood insurance and prior flood assistance/claims, and any known wetlands, agricultural district status, landfills, tanks, asbestos, lead, radon, spills, and testing; upload any supporting reports/policies/certificates.
  4. Complete the Structural section by disclosing known damage (rot/water, fire/smoke, pests), roof type/age/warranty, and any known defects in structural systems; attach pest or other inspection reports if available.
  5. Complete the Mechanical Systems and Services section by providing water source and testing, sewage type and septic/cesspool details, electric service details, and any flooding/drainage/water penetration history; explain any known defects.
  6. Use the additional explanation area to clarify any “Yes” answers, provide locations/details, and note any additional pages attached; ensure all attachments are included and referenced.
  7. Review for accuracy based on actual knowledge, then apply seller signature(s) and date(s); deliver the completed disclosure to the buyer/buyer’s agent and obtain buyer acknowledgment signature(s) and date(s).

Common Mistakes in Completing DOS-1614-f

The ones the AI is built to catch.

Leaving seller name(s) and property address incomplete or inconsistent
People often enter nicknames, omit a co-owner, or use a mailing address instead of the property’s legal street address. This creates mismatches with the deed, contract of sale, and title records, which can delay attorney review and closing. Use the full legal names of all sellers on title and the complete property address (including unit number, if any) exactly as it appears on the deed/tax records.
Not answering every question with a checkbox selection (Yes/No/Unkn/NA)
A frequent error is writing notes in the margin or leaving a line blank without checking one of the required boxes. Blank responses can be treated as incomplete disclosures and may trigger follow-up requests, amendments, or disputes later. For each item, always check exactly one option (Yes, No, Unknown, or Non-applicable) and then add an explanation only when the form asks for it or when you checked “Yes.”
Using “NA” or “No” when the correct answer is “Unkn” (or vice versa)
Sellers sometimes guess to avoid looking uncertain, or they mark “NA” when the item could apply but they simply don’t know. Guessing can expose the seller to claims of a knowingly false or incomplete statement, while misusing “NA” can make the disclosure look evasive. If you truly do not know, check “Unkn”; if the feature does not exist on the property (e.g., no septic system), check “NA”; if it exists and you know the condition, answer Yes/No accordingly.
Failing to explain “Yes” answers (or providing vague explanations)
Many sellers check “Yes” but don’t describe the issue, location, dates, or scope (e.g., “water issue” without where/when). Vague disclosures can lead to buyer distrust, additional negotiations, or post-closing claims that the disclosure was incomplete. When “Yes” is selected, include specifics: what happened, exact location(s), approximate dates, repairs performed, who performed them, and whether the condition is ongoing.
Omitting required attachments (policies, certificates, and test reports)
The form repeatedly instructs sellers to attach documents (e.g., flood insurance policy, FEMA elevation certificate, radon report, environmental or pest reports), but people often forget or assume the buyer will obtain them. Missing attachments can delay contract signing, create re-trade risk, or raise questions about whether the seller is withholding information. If you answer “Yes” to an item that requests an attachment, include a copy or clearly state that it is not available and why (and consider checking “Unkn” if you truly cannot confirm).
Misreporting flood risk and flood history (FEMA floodplain/SFHA/claims/assistance)
Flood-related questions (10–17) are commonly misunderstood—sellers may confuse “floodplain” with “has ever flooded,” or they may not realize prior FEMA/SBA assistance can create ongoing insurance obligations for future owners. Incorrect answers can lead to serious buyer consequences (insurance costs, lender requirements) and potential legal exposure for the seller. Verify using FEMA flood maps, prior closing documents, insurance records, and any claim/assistance paperwork before selecting Yes/No.
Not providing key septic/cesspool details (age, pumping date, frequency, defects)
For properties with septic or cesspool systems, sellers often skip the sub-questions or provide guesses without records. Missing or inaccurate information can cause buyer concerns, additional inspections, or escrow/repair demands because septic failures are expensive. If septic/cesspool applies, provide the best documented information available (service invoices, pump-out receipts) and use “Unkn” rather than estimating when you cannot confirm.
Incomplete mechanical/electrical information (provider, amperage, breakers vs fuses, poles)
Sellers frequently leave the electrical section partially blank because they don’t know the amperage or whether service is on private/public poles. Incomplete entries can prompt buyer requests for electrician evaluation and slow negotiations. Check the main electrical panel label for amperage, note whether you have breakers or fuses, confirm the utility provider from a bill, and answer “Unkn” only after reasonable checking.
Under-disclosing past water intrusion, drainage, or standing water issues
Questions 28, 38, and 39 are often answered “No” because the issue was “fixed” or happened “only once,” but the form asks about any water damage/penetration and drainage problems that resulted in standing water. Under-disclosure can lead to major disputes if the buyer later experiences seepage or learns of prior events. Disclose prior incidents, even if repaired, and include what remediation was done (grading, sump pump, waterproofing, drainage work) and when.
Confusing “material defects” with normal wear and failing to disclose known defects
In the structural and systems sections (roof, foundation, plumbing, HVAC, etc.), sellers sometimes interpret “material defect” too narrowly and answer “No” despite known recurring problems (leaks, cracks with movement, failing equipment). If a buyer later discovers the issue, the seller may face claims that the disclosure was incomplete or misleading. Treat “material defect” as a known problem that affects function, safety, or value (including recurring issues), and describe symptoms, repairs, and current status.
Missing signatures/dates for all sellers and buyers, or signing without updating changes
A common administrative mistake is forgetting a co-seller’s signature/date, leaving buyer acknowledgment unsigned, or using an old statement after learning new information. Missing signatures can invalidate the disclosure delivery process and cause last-minute closing delays. Ensure every required signature line is completed with dates, and if you learn something that makes a prior answer materially inaccurate, provide a revised statement as soon as practicable (before title transfer/occupancy).

Frequently Asked Questions About DOS-1614-f

 

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How does the AI fill out DOS-1614-f?
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What happens to my information?
It is encrypted in transit and at rest, and it is never used to train AI.
How complex is DOS-1614-f to fill out?
DOS-1614-f has a Form Complexity Index of 70 out of 100, in the complex tier: 272 fillable fields across 6 pages. Instafill.ai's AI fills it in under a minute, with every field there for you to review before you download.
What is the purpose of the New York Property Condition Disclosure Statement (DOS-1614-f)?
This form is used by a seller to disclose certain known conditions about a residential property to a buyer before the buyer signs a binding contract of sale. It helps inform the buyer but is not a warranty and does not replace inspections.
Who is required to complete this disclosure statement?
Sellers of New York “residential real property” (generally 1–4 family homes) must complete it based on their actual knowledge. The form is intended to be delivered to the buyer or the buyer’s agent before a binding contract is signed.
What types of properties are not covered by this form’s definition of “residential real property”?
The definition excludes unimproved land where a dwelling will be built, condominium units, cooperative apartments, and certain homeowners’ association properties not owned in fee simple by the seller. If you are unsure whether your property is covered, consult your attorney or real estate professional.
When do I have to give this disclosure statement to the buyer?
It must be delivered to the buyer or the buyer’s agent prior to the buyer signing a binding contract of sale. Providing it early helps avoid delays or disputes later in the transaction.
Do I fill out this form myself, or can my real estate agent complete it for me?
The instructions state the seller should complete the form themselves. The representations are the seller’s, not the agent’s, although the seller may authorize an agent to provide a copy to prospective buyers.
What should I do if a question does not apply to my property or I don’t know the answer?
If an item does not apply, check “NA” (Non-applicable). If you do not know the answer, check “Unkn” (Unknown) rather than guessing.
What happens if I leave something out or provide false information?
The form warns that a knowingly false or incomplete statement may subject the seller to claims by the buyer before or after the transfer of title. You should answer all questions truthfully based on your actual knowledge.
Is this disclosure statement a warranty or guarantee about the property’s condition?
No—this statement is not a warranty by the seller or any agent. Buyers are encouraged to obtain independent inspections and tests and to check public records.
What documents should I attach to the form if they apply?
Attach copies when the form asks for them, such as a flood insurance policy (if there is flood insurance), a FEMA elevation certificate (if available), and reports for radon, environmental testing, mold testing, or pest/termite testing (if performed). If you need more space to explain answers, attach additional signed pages.
How do I answer the flood-related questions (FEMA floodplain, SFHA, and flood insurance requirements)?
Answer based on what you actually know and explain “Yes” answers in the space provided. The form notes that FEMA flood maps and public records can be checked, and that some properties with federally backed mortgages in high-risk zones must maintain flood insurance.
If the property previously received FEMA/SBA disaster flood assistance, why does the form ask about it?
The form explains that for properties that received federal disaster assistance, the requirement to obtain and maintain flood insurance can pass to future owners. Not maintaining required flood insurance may affect eligibility for future assistance.
How should I complete the fuel storage tank and spill/release questions?
Disclose whether there are or ever were above-ground or underground fuel storage tanks, whether they are in use, their locations, and whether they have leaked. Also disclose any known spills, leaks, or releases of petroleum products or hazardous/toxic substances and describe what happened.
What information is required about the roof and structural systems?
You should list the roof/roof covering type, any known material defects, the roof’s age, and whether a transferable roof warranty exists. You must also indicate whether there are known material defects in structural components like footings, beams, girders, lintels, columns, or partitions.
What details are needed for water, sewage, and electrical sections?
For water, identify the source (well/private/municipal/other) and whether municipal service is metered, and note any testing. For sewage, indicate the system type (public/private sewer, septic, cesspool) and provide septic/cesspool age, last pumped date, pumping frequency, and any known defects; for electric, provide the service provider, amperage, breaker/fuse type, pole type, and any known defects.
Do both the seller and buyer have to sign this form, and what do the signatures mean?
Yes—there are signature lines for seller(s) to certify the information is true and complete to their actual knowledge as of the signing date, and for buyer(s) to acknowledge receipt. The buyer’s signature confirms receipt and understanding that the disclosure is not a warranty and does not replace inspections.
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