Due-diligence checklist

420 19 1/2 Ave N · St. Cloud, MN 56303

SingleFamily · 4 bd / 2.0 ba · 1,768 sqft · built 2002 · listed $145,000 · MLS CFR-6DJA2BFHKAM03Q

• Title & lien report

  Confirm clear title; flag mechanics' liens, easements, or active suits.
• Seller disclosure

  Pull the seller's written disclosure for material defects + work done without permits.
• Survey & boundary

  Recent survey verifying lot lines, easements, encroachments.
• Inspection contingency

  General home inspection within 7–10 days; right to renegotiate / cancel.
• Insurance binder

  Get a written insurance quote BEFORE waiving the financing/inspection contingency.
• Builder warranty

  Active structural / mechanical warranty windows; transferable?
• Roof age + condition

  Even on new builds — confirm warranty + condition.
• HVAC age + condition

  Same — get manufacturer warranty paperwork.
• Permits on record

  Any work done after CO — was it permitted?