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How to sell your house by owner in Arizona

For sale by owner (FSBO) in Arizona, without a realtor · rules checked · sources

Attorney at closing
Not required
Seller disclosure
Not required
State transfer tax
None

Arizona doesn't require an attorney: an escrow company usually handles the closing. Arizona has no mandatory seller disclosure form, but you still can't hide or lie about known defects. Arizona has no state real estate transfer tax.

General information, not legal advice. Rules change and counties add their own; check with an Arizona real estate attorney or title company before you sign anything. Last checked October 20, 2026.

Arizona transfer tax and savings calculator

State transfer tax (none)
$0
Commission you don't pay (5–6%)
$20,000–$24,000
Saved if you still pay the buyer's agent (2.5–3%)
$10,000–$12,000

Example for a $400,000 sale. State tax only; county or city taxes may add to it. Commissions are negotiable and vary; these are typical ranges, not quotes.

Steps to sell a house without a realtor in Arizona

  1. Price it from sold homes, not asking prices. Pull recent sales of similar homes nearby from the county records or the "sold" filter on the big portals, or pay a licensed appraiser for a pre-listing appraisal.
  2. Write down what you know about the house. Arizona doesn't require a disclosure form, but a voluntary one in writing protects you if a buyer later says you hid a defect.
  3. Make a listing buyers can judge from home. Bright photos of every room, an honest description, a floor plan and a 360° virtual tour filter out people who were never going to buy, so fewer, better showings.
  4. List it where buyers look. A flat-fee MLS listing (a broker puts you on the MLS for a fixed fee) gets you onto Zillow, Realtor.com and Redfin; add FSBO sites, social media and a yard sign with a QR code to the tour.
  5. Show it, then get offers in writing. Ask for a mortgage pre-approval or proof of funds before a showing, and decide up front whether you'll pay a buyer's agent. Accept with a written purchase agreement; the earnest money goes to the escrow company, not to you.
  6. Open escrow as soon as you accept. In Arizona an escrow company usually holds the deposit, collects the documents and pays everyone at closing; the buyer's lender will work with it.
  7. Close. You sign the deed, the escrow company pays off your mortgage and records the deed with the county. Arizona charges no state transfer tax, but check for local fees.

Arizona seller disclosure

Arizona has no statewide seller disclosure requirement: there's no mandatory form, though a Seller's Property Disclosure Statement (SPDS), Arizona Association of Realtors form exists and many buyers ask for it. That doesn't protect you if you actively hide a defect or answer a buyer's question falsely, so disclose what you know in writing.

No statute requires a general disclosure form, but Arizona case law requires a seller to disclose known facts that materially affect value and are not readily observable. The standard AAR contract also obligates the seller to deliver the SPDS.

Whatever the state rule, a home built before 1978 needs the federal lead-based paint disclosure and the EPA pamphlet, and the buyer gets 10 days to test unless they waive it.

Arizona transfer tax

Arizona has no state real estate transfer tax, so the deed is recorded for the county's recording fee only.

Local taxes: An Affidavit of Property Value (A.R.S. 11-1133) must be filed with the deed.

Official transfer tax source

Paperwork for selling a house without a realtor in Arizona

The closing agent drafts the deed. The title company, escrow officer or attorney prepares it with the other closing documents.

Also expect:

  • Affidavit of Property Value signed by buyer and seller and appended to the deed at recording (A.R.S. 11-1133) unless exempt
  • Sellers of 5 or fewer parcels in unincorporated county areas must give a recorded Affidavit of Disclosure at least 7 days before transfer (A.R.S. 33-422)

Even with no mandatory form, 'as-is' does not erase the duty to disclose known material defects; use the SPDS. Escrow companies close without attorneys.

The rest of the work is marketing: a clear listing, honest photos and a virtual tour. Tips in how to write a property listing and how to make a virtual tour with your phone.

Frequently asked questions

Can you sell a house without a realtor in Arizona?

Yes. No state requires a real estate agent to sell your own home. Arizona doesn't require an attorney: an escrow company usually handles the closing. The steps are on this page.

Do I need a lawyer to sell my house in Arizona?

No. Arizona doesn't require an attorney: an escrow company usually handles the closing. An attorney is still worth it if the contract or the title is unusual.

Are seller's disclosures required in Arizona?

No statewide form. Arizona has no mandatory seller disclosure form, but you still can't hide or lie about known defects. No statute requires a general disclosure form, but Arizona case law requires a seller to disclose known facts that materially affect value and are not readily observable. The standard AAR contract also obligates the seller to deliver the SPDS. Homes built before 1978 also need the federal lead-based paint disclosure.

How much is the transfer tax in Arizona?

Arizona has no state real estate transfer tax. An Affidavit of Property Value (A.R.S. 11-1133) must be filed with the deed. Official source.

What paperwork do I need to sell my house without a realtor in Arizona?

Usually a written purchase agreement; the deed; the lead-based paint disclosure if the home was built before 1978; Affidavit of Property Value signed by buyer and seller and appended to the deed at recording (A.R.S. 11-1133) unless exempt; Sellers of 5 or fewer parcels in unincorporated county areas must give a recorded Affidavit of Disclosure at least 7 days before transfer (A.R.S. 33-422). The escrow company prepares the closing documents and records the deed.

How much do you save selling a house without a realtor in Arizona?

On a $400,000 sale, a 5–6% commission is $20,000–$24,000. If you still pay the buyer's agent, you save the listing side, about $10,000–$12,000.

Sources

General information, not legal advice. Rules change and counties add their own; check with an Arizona real estate attorney or title company before you sign anything. Last checked October 20, 2026.

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