Rush Notary

Florida · Building permits · s. 489.103(7)

Florida Owner-Builder Affidavit & Disclosure Statement

The statement you sign to pull a permit as your own contractor. Who qualifies, what you’re agreeing to, when it must be notarized, and the 289 owner-builder forms published by Florida cities and counties, grouped by county.

Who qualifies

  • • You own the property and the work is for your own use or occupancy, not for sale or lease.
  • • It’s a one- or two-family residence or a farm outbuilding, or a commercial building costing no more than $75,000.
  • • You directly supervise all work not done by licensed contractors.
  • • Selling or leasing within one year of completion creates a presumption that you built it for sale, which falls outside the exemption.

What the disclosure says

The statutory disclosure is a list of acknowledgments: state law normally requires a licensed contractor; you are the responsible party of record; you may not hire an unlicensed person to act as your contractor or supervise others; unlicensed workers must be your employees, with tax withholding and workers’ compensation; and you’ll follow the building codes and tell the agency about any changes. Cities adapt the wording, and many call it an affidavit.

How to complete it

  1. 1. Get your building department’s form. The disclosure comes from the agency that issues your permit, the city inside city limits or the county elsewhere. Find yours below.
  2. 2. Fill it in with the property address and your details, and initial each acknowledgment if the form asks.
  3. 3. Sign it, before a notary if the form requires. At permit issuance the agency needs a copy of your driver license, your notarized signature, or another verification it accepts. Online notarization takes about 15 minutes.
  4. 4. Return it before the permit is issued. The statute also requires you to personally appear and sign the permit application, so plan a visit to the permit counter unless your department says otherwise.

Owner-builder forms by county

Use the form from the building department that issues your permit: your city if the property is inside city limits, otherwise the county.

Alachua County

3 forms
  • AlachuaOwner-Builder Disclosure Statement (FS 489.103)
  • High SpringsOwner/Builder Disclosure Statement
  • NewberryOwner/Builder Affidavit & Disclosure Statement

Bay County

6 forms
  • CallawayEPCI Callaway Building Department Owner-Builder Disclosure Statement (FS 489.103)
  • Lynn HavenOwner-Builder Statement / Affidavit (Florida Statute 489.103)
  • Mexico BeachMexico Beach Owner Affidavit (Owner-Builder)
  • Panama City BeachOwner-Builder Disclosure Statement
  • ParkerOwner-Builder Disclosure Statement (Form B06, FS 489.103)
  • SpringfieldOwner Builder Disclosure Statement (Form B06, FS 489.103)

Brevard County

12 forms
  • Cape CanaveralCity of Cape Canaveral Owner/Builder Contractor Exemption Form (Affidavit & Disclosure, FS 489.103)
  • CocoaOwner/Builder Affidavit & Disclosure Statement (FS 489.103)
  • Cocoa BeachOwner/Builder Application for Contractor Exemption (FS 489.103): Brevard County
  • Indialanticowner builder contractor exemption affidavit
  • MalabarOwner Builder Affidavit (FS 489.103(7))
  • Melbourne BeachOwner/Builder Disclosure Statement
  • Melbourne VillageOwner/Builder Disclosure Statement (FS 489.103(7))
  • Palm BayOwner-Builder Disclosure Statement & Affidavit
  • Palm ShoresBrevard County Owner-Builder Application for Contractor Exemption & Disclosure Statement (FS 489.103(7))
  • RockledgeOwner/Builder Application for Contractor Exemption (FS 489.103)
  • Satellite BeachOwner/Builder Disclosure Statement & Affidavit
  • West MelbourneOwner-Builder Disclosure Statement (FS 489.103)

Broward County

22 forms

Calhoun County

2 forms
  • AlthaOwner-Builder Disclosure Statement (FS 489.103)
  • BlountstownOwner-Builder Disclosure Statement / Affidavit (FS 489.103)

Citrus County

1 form

Clay County

4 forms

Collier County

5 forms

Columbia County

5 forms

DeSoto County

1 form
  • ArcadiaOwner-Builder Disclosure Statement

Duval County

3 forms

Escambia County

2 forms
  • CenturyOwner/Builder Application for Contractor Exemption & Disclosure Statement (FS 489.103)
  • PensacolaOwner Builder Affidavit

Flagler County

3 forms
  • BunnellOwner/Builder Affidavit & Disclosure Statement
  • MarinelandFlagler County Owner-Builder Single Family Residence Requirements & Disclosure (FS 489.103)
  • Palm CoastOwner-Builder Disclosure Statement and Affidavit (FS 489.103)

Franklin County

2 forms

Gadsden County

4 forms
  • ChattahoocheeOwner-Builder Statement/Affidavit (Gadsden County)
  • GreensboroOwner-Builder Statement / Affidavit (FS 489.103)
  • GretnaOwner-Builder Statement Affidavit (Gadsden County)
  • QuincyOwner-Builder Statement Affidavit (Gadsden County)

Gilchrist County

4 forms
  • Gilchrist CountyGilchrist County Building Department
  • BellOwner-Builder Disclosure Statement (FS 489.103)
  • Fanning SpringsOwner-Builder Disclosure Statement (Gilchrist County)
  • TrentonOwner-Builder Disclosure Statement (FS 489.103)

Glades County

1 form
  • Moore HavenOwner-Builder Disclosure Statement (FS 489.103)

Gulf County

1 form
  • WewahitchkaOwner-Builder Disclosure Statement (FS 489.103)

Hamilton County

2 forms
  • JasperOwner Builder Statement/Affidavit (Disclosure)
  • JenningsOwner Builder Statement/Affidavit & Disclosure Statement (FS 489.103)

Hendry County

1 form
  • ClewistonOwner/Builder Affidavit & Disclosure

Hernando County

2 forms

Highlands County

2 forms
  • Avon ParkOwner-Builder Disclosure Statement (Highlands County)
  • SebringOwner-Builder Disclosure Statement / Affidavit

Holmes County

2 forms
  • BonifayOwner/Builder Permit Affidavit (FS 489.103)
  • NomaOwner/Builder Permit Affidavit (FS 489.103)

Indian River County

5 forms
  • FellsmereOwner/Builder Disclosure Statement (FS 489.103)
  • Indian River ShoresOwner/Builder Disclosure Statement Affidavit (FS 489.103) - Indian River County
  • OrchidOwner/Builder Disclosure Statement (FS 489.103)
  • SebastianOwner/Builder Permit Application
  • Vero BeachOwner/Builder Disclosure Statement (FS 489.103)

Jefferson County

1 form
  • MonticelloOwner-Builder Statement/Affidavit (Jefferson County / City of Monticello)

Lake County

13 forms
  • AstatulaLake County Owner Builder Disclosure Statement / Affidavit (BF30, FS 489.103)
  • ClermontOwner Builder Statement/Affidavit
  • Fruitland ParkOwner-Builder Affidavit / Disclosure Statement (Lake County BF30): FS 489.103(7)
  • GrovelandOwner Builder Disclosure Statement
  • Howey-in-the-HillsOwner Builder Disclosure Statement / Affidavit (BF30)
  • Lady LakeOwner Builder Disclosure Statement (FS 489.103)
  • LeesburgOwner Builder Statement/Affidavit & Disclosure
  • MascotteOwner/Builder Disclosure Statement
  • MinneolaOwner/Builder Affidavit & Disclosure Statement (FS 489.103)
  • MontverdeLake County Owner-Builder Affidavit & Disclosure Statement (BF30)
  • Mount DoraOwner Builder Exemption Affidavit (BFP-022, FS 489.103)
  • TavaresOwner Builder Statement/Affidavit
  • UmatillaOwner/Builder Disclosure Statement (FS 489.103)

Lee County

4 forms

Leon County

1 form

Levy County

6 forms
  • BronsonOwner/Builder Affidavit & Disclosure Statement (FS 489.103)
  • Cedar KeyOwner/Builder Disclosure Statement & Affidavit
  • ChieflandOwner/Builder Affidavit (Levy County)
  • InglisOwner/Builder Affidavit (FS 489 Exemption Disclosure Statement)
  • Otter CreekOwner/Builder Affidavit
  • WillistonOwner/Builder Disclosure Statement

Liberty County

1 form
  • BristolOwner/Builder Affidavit (Liberty County)

Madison County

3 forms
  • GreenvilleOwner-Builder Statement / Affidavit (Madison County)
  • LeeOwner Builder Statement / Affidavit
  • MadisonOwner Builder Statement / Affidavit

Manatee County

4 forms

Marion County

5 forms
  • BelleviewOwner-Builder Disclosure Statement
  • DunnellonOwner-Builder Disclosure Statement (FS 489.103)
  • McIntoshOwner-Builder Disclosure Statement (FS 489.103)
  • OcalaOwner/Builder Affidavit & Disclosure Statement
  • ReddickMarion County Owner-Builder Disclosure Statement (FS 489.103)

Martin County

4 forms

Miami-Dade County

21 forms

Monroe County

3 forms
  • IslamoradaOwner-Builder Disclosure Statement
  • Key WestOwner's Residence Exemption Disclosure Statement (Owner-Builder Affidavit, FS 489.103)
  • LaytonMonroe County Owner/Builder Affidavit & Disclosure Statement

Nassau County

2 forms
  • CallahanOwner's Disclosure Statement (Owner-Builder Affidavit, FS 489.103)
  • HilliardOwner Builder Affidavit - Disclosure Statement (FS 489.103)

Okaloosa County

8 forms
  • Cinco BayouOwner-Builder Statement/Affidavit (FS 489.103)
  • CrestviewOwner-Builder Affidavit - Solar (FS 489.103)
  • CrestviewOwner-Builder Affidavit (FS 489.103)
  • Fort Walton BeachOwner/Builder Affidavit
  • Laurel HillOwner-Builder Statement / Notarized Affidavit (FS 489.103)
  • Mary EstherOwner Builder Statement / Affidavit (FS 489.103)
  • ShalimarOwner-Builder Statement / Notarized Affidavit & Disclosure Statement (FS 489.103)
  • ValparaisoOwner-Builder Disclosure Statement (Building)

Okeechobee County

1 form

Orange County

12 forms
  • Bay LakeOwner-Builder Disclosure Statement (Orange County)
  • Belle IsleOwner/Builder Disclosure Statement (FS 489.103)
  • EatonvilleOwner/Builder Disclosure Statement & Affidavit (Orange County, FS 489.103)
  • EdgewoodOwner-Builder Disclosure Statement (FS 489.103)
  • Lake Buena VistaOwner-Builder Disclosure Statement (FS 489.103)
  • MaitlandOwner-Builder Affidavit & Disclosure Statement
  • OaklandOwner-Builder Statement/Affidavit (F.S. 489.103(7))
  • OcoeeOwner Builder Affidavit
  • OrlandoOwner/Builder Declaration
  • WindermereTown of Windermere Owner-Builder Statement / Notarized Affidavit (FS 489.103)
  • Winter ParkOwner Builder Affidavit (Statement of Fact)
  • ZellwoodOrange County Owner-Builder Disclosure Statement (FS 489.103)

Osceola County

2 forms
  • KissimmeeOwner-Builder Affidavit & Disclosure Statement (FS 489.103)
  • St. CloudOwner Builder Disclosure Statement

Palm Beach County

31 forms
  • Palm Beach CountyOWNER/BUILDER AFFIDAVIT & DISCLOSURE ...
  • AtlantisOwner-Builder Disclosure Statement and Affidavit
  • Belle GladeOwner-Builder Affidavit & Disclosure Statement (FS 489.103)
  • Boca RatonOwner/Builder Affidavit and Disclosure Statement (FS 489.103)
  • Boynton BeachOwner/Builder Affidavit & Disclosure Statement (FS 489.103)
  • Briny BreezesOwner/Builder Affidavit & Disclosure Statement
  • Cloud LakeOwner/Builder Affidavit & Disclosure Statement (FS 489.103)
  • Delray BeachOwner/Builder Affidavit & Disclosure Statement
  • Glen RidgeOwner/Builder Affidavit & Disclosure Statement (FS 489.103)
  • GolfOwner/Builder Affidavit & Disclosure Statement (FS 489.103)
  • GreenacresOwner-Builder Disclosure Statement
  • Gulf StreamOwner/Builder Affidavit & Disclosure Statement (FS 489.103) - Palm Beach County
  • HaverhillOwner/Builder Disclosure Statement (FS 489.103)
  • Highland BeachOwner Builder Disclosure Statement (FS 489.103(7))
  • HypoluxoOwner/Builder Affidavit & Disclosure Statement (Palm Beach County)
  • Juno BeachOwner Builder Affidavit
  • Lake ParkPalm Beach County Owner/Builder Affidavit & Disclosure Statement
  • LantanaOwner/Builder Affidavit & Disclosure Statement
  • Loxahatchee GrovesOwner/Builder Affidavit & Disclosure Statement
  • Mangonia ParkOwner/Builder Affidavit & Disclosure Statement (Palm Beach County)
  • North Palm BeachOwner-Builder Affidavit & Disclosure Statement
  • Ocean RidgeOwner-Builder Affidavit & Disclosure Statement (BD-10)
  • PahokeeOwner-Builder Affidavit & Disclosure Statement (Contractor Exemption, FS 489.103)
  • Palm Beach GardensOwner-Builder Disclosure Statement and Affidavit
  • Palm Beach ShoresOwner-Builder Disclosure Statement and Affidavit
  • Palm SpringsOwner-Builder Affidavit & Disclosure Statement Form
  • Riviera BeachOwner/Builder Affidavit & Disclosure Statement
  • South BayOwner Builder Permit Application
  • TequestaOwner-Builder Disclosure Statement and Affidavit
  • WellingtonOwner/Builder Affidavit & Disclosure Statement
  • WestlakeCity of Westlake Owner/Builder Affidavit & Disclosure Statement

Pasco County

2 forms
  • Port RicheyOwner-Builder Affidavit & Disclosure Statement
  • St. LeoOwner-Builder Disclosure Statement (FS 489.103)

Pinellas County

17 forms
  • BelleairOwner/Contractor Affidavit (Owner-Builder Disclosure, FS 489.103)
  • Belleair BeachOwner/Contractor Affidavit (Owner-Builder Disclosure, FS 489.103)
  • Belleair BluffsOwner/Contractor Affidavit & Owner-Builder Disclosure Statement (FS 489.103(7))
  • ClearwaterBuilding Permit Application with Owner/Builder Affidavit & Disclosure (FS 489.103) and Notice of Commencement
  • GulfportOwner-Builder Affidavit & Disclosure Statement
  • Indian Rocks BeachOwner/Contractor Affidavit & Owner-Builder Disclosure Statement (FS 489.103) - Pinellas County
  • Indian ShoresOwner/Builder Disclosure Statement (FS 489.103)
  • Kenneth CityOwner/Contractor Affidavit (Owner-Builder Disclosure, FS 489.103)
  • Madeira BeachOwner/Builder Disclosure Statement (F.S. 489.103)
  • North Redington BeachPinellas County Owner/Contractor (Owner-Builder) Affidavit & Disclosure Statement (FS 489.103)
  • Pinellas ParkHome Owners Affidavit (Owner-Builder Disclosure Statement, FS 489.103)
  • Redington BeachOwner/Builder Disclosure Statement (FS 489.103)
  • Safety HarborOwner/Builder Affidavit & Disclosure Statement (FS 489.103)
  • SeminoleOwner/Builder Disclosure Statement (FS 489.103)
  • South PasadenaOwner/Builder Affidavit & Disclosure Statement (F.S. 489.103)
  • Tarpon SpringsOwner-Builder Disclosure and Required Inspections Form
  • Treasure IslandOwner/Builder Affidavit and Responsibility & Disclosure Statement (FS 489.103)

Polk County

13 forms
  • Polk CountyOwner-Builder Disclosure Statement
  • DavenportOwner's Affidavit & Disclosure Statement (Owner-Builder)
  • DundeeOwner/Builder Disclosure Statement (FS 489.103)
  • Eagle LakeOwner/Builder Disclosure Statement
  • Fort MeadeOwner/Builder Disclosure Statement (FS 489.103)
  • FrostproofOwner-Builder Affidavit & Disclosure Statement
  • Highland ParkOwner-Builder Disclosure Statement (FS 489.103)
  • Hillcrest HeightsOwner-Builder Disclosure Statement (FS 489.103)
  • Lake AlfredOwner-Builder Affidavit and Disclosure Statement
  • Lake HamiltonPolk County Owner/Builder Disclosure Statement (FS 489.103)
  • Lake WalesOwner/Builder Disclosure Statement
  • MulberryOwner/Builder Statement & Affidavit
  • Polk CityOwner-Builder Disclosure Statement (FS 489.103)

Putnam County

2 forms
  • InterlachenPutnam County Owner/Builder Affidavit & Disclosure Statement (FS 489.103)
  • WelakaOwner Builder Affidavit (FS 489.103)

Santa Rosa County

3 forms
  • Gulf BreezeOwner/Builder Affidavit & Disclosure Statement (Santa Rosa County)
  • JayOwner/Builder Disclosure Statement & Information Packet (FS 489.103)
  • MiltonOwner-Builder Disclosure Statement (Information Packet for Owner/Builders)

Sarasota County

2 forms
  • SarasotaOwner-Builder Disclosure Statement & Owner's Affidavit (Building Permit Application)
  • VeniceOwner / Builder Permit Application Packet

Seminole County

3 forms
  • CasselberryOwner Builder Statement/Affidavit (Seminole County Multi-Jurisdictional, incl. Casselberry) - FS 489.103
  • LongwoodOwner Builder Disclosure Statement
  • Winter SpringsOwner Builder Statement/Affidavit

St. Johns County

3 forms

St. Lucie County

3 forms

Suwannee County

2 forms
  • BranfordOwner Builder Disclosure Statement (F.S. 489.103)
  • Live OakOwner-Builder Disclosure Statement (FS 489.103)

Volusia County

13 forms
  • Daytona BeachOwner-Builder Permit Application Affidavit of Acknowledgement and Disclosure Statement
  • DeBaryOwner Builder Statement / Affidavit
  • DeltonaOwner/Builder Disclosure Statement (FS 489.103)
  • Holly HillOwner-Builder Affidavit
  • Lake HelenOwner Builder Disclosure Statement (Volusia County)
  • New Smyrna BeachOwner-Builder Disclosure Statement
  • Oak HillOwner-Builder Disclosure Statement (FS 489.103)
  • Oak HillOwner/Builder Statement/Affidavit
  • Orange CityOwner Builder Affidavit
  • Ormond BeachOwner-Builder Disclosure Statement (FS 489.103)
  • PiersonOwner Builder Affidavit (FS 489.103)
  • Ponce InletOwner/Builder Affidavit & Disclosure Statement
  • Port OrangeOwner-Builder Affidavit

Wakulla County

2 forms
  • SopchoppyOwner-Builder Statement/Affidavit (FS 489.103)
  • St. MarksOwner Builder Statement/Affidavit (FS 489.103)

Walton County

2 forms
  • FreeportOwner Builder Statement/Affidavit (FS 489.103(7)) - Walton County
  • PaxtonOwner-Builder Statement/Affidavit (FS 489.103(7)) - Walton County

Washington County

5 forms
  • CaryvilleOwner/Builder Disclosure Statement (FS 489.103)
  • ChipleyOwner-Builder Disclosure Statement (FS 489.103)
  • EbroOwner Builder Disclosure Statement
  • VernonOwner Builder Disclosure Statement (FS 489.103)
  • WausauOwner Builder Disclosure Statement (FS 489.103)

Frequently asked questions

What is an owner-builder in Florida?
A property owner who pulls the building permit and acts as their own contractor instead of hiring a licensed one. Section 489.103(7) of the Florida Statutes exempts owners from contractor licensing for their own one- or two-family home, farm outbuildings, or a commercial building costing no more than $75,000, as long as the building is for their own use and not offered for sale or lease.
What is the owner-builder disclosure statement?
A statement in the form set out in s. 489.103(7) that the permitting agency gives you and you sign before the permit is issued. In it you acknowledge that you are the responsible party of record, that you must directly supervise the work, that anyone you hire for licensed trades must be licensed, and that you may owe payroll taxes and workers' compensation for unlicensed workers you employ. Cities and counties often title it an owner-builder affidavit.
Does the owner-builder affidavit have to be notarized?
It depends on the permitting agency. At permit issuance the statute requires a copy of the owner's driver license, the owner's notarized signature, or another verification the agency accepts. Many Florida building departments print a notary block on their form and require it; check your city's form below. When a notarized signature is required, online notarization counts.
Do I still have to go to the building department in person?
Usually, yes. The statute says the owner must personally appear and sign the building permit application, apart from a narrow exception for some electronic solar permits. Notarizing the disclosure statement doesn't replace that appearance; it covers the verification step at issuance.
Can I sell or rent the house after building it myself?
Not right away without consequences. If you sell, lease, or offer the building for sale or lease within one year after it's completed, the law presumes you built it for sale or lease, which falls outside the exemption.
Can I hire people to help?
You can hire licensed contractors for any trade. You may not hire an unlicensed person to act as your contractor or to supervise others. Unlicensed workers must be your employees, which brings tax withholding and workers' compensation obligations.

General information about s. 489.103(7), Florida Statutes, not legal advice. Your building department’s requirements govern. Terms like jurat and acknowledgment are explained in the glossary.

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