🇺🇸 Texas
AI powered Disclosure packaging in 10min.
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Read the fine print before you sign. Our AI rapidly analyzes your Texas Transfer Disclosure Statement (TDS), Natural Hazard Disclosure (NHD), and HOA documents.

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It's easy in 3 steps.

Make decisions faster. Don't miss a deal.

01

Upload Files

Drag and drop your Seller's Disclosure Notice, ZIP, or DOCX. We read text, images, and complex diagrams across all your property documents.

02

Click Run

Our hybrid AI checks for 40+ specific risk points in minutes, including handwritten notes and buried legal clauses.

03

Review & Action

Get a clear Red/Amber/Green report. Export as PDF or generate an enquiry email to send to your agent.

Don't Get Burned by Texas's Hidden Risks


Texas is a highly regulated real estate market. Sellers must provide a mountain of paperwork, from the Transfer Disclosure Statement (TDS) to Natural Hazard Disclosures (NHD).

Buried in those hundreds of pages are critical details about wildfire zones, Mello-Roos taxes, and unpermitted additions. In a fast-moving market, you need to spot these issues quickly to negotiate effectively or protect your investment.

Unwildered acts as your assistant, scanning every page of your disclosure package to highlight the details that matter most to Texas buyers.

UNWILDERED US RISK ENGINE v2.0
RED FLAG
Property analysis reveals critical unpermitted work and high-severity fire exposure. Caution is advised.
High
Foundation Cracks & Repairs
Source: SDN Section 3
High
MUD Tax District Liability
Source: Property Tax Bill
Medium
Previous Flood Insurance Claims
Source: CLUE Report
Click to view full 40-point forensic report →

Expert Guide to Texas Real Estate Due Diligence

The Texas Market Landscape

Texas real estate is defined by its vastness and its "freedom-first" approach to property rights. However, with that freedom comes a high degree of responsibility for the buyer. Whether you are buying a ranch in the Hill Country, a penthouse in Uptown Dallas, or a suburban home in Katy, the Texas "Option Period" is the most critical phase of your purchase.

1. Mandatory Disclosures: The Texas Standard

Texas is an "Escrow State" where title companies handle the final closing, but the seller's transparency is governed strictly by the Texas Real Estate Commission (TREC).

Seller’s Disclosure Notice (SDN)

The SDN is the primary document Unwildered analyzes in Texas. It is not just a "check the box" form; it requires the seller to disclose:

Foundation Repairs: Texas soils (highly expansive clay) lead to frequent foundation issues. We look for mentions of "piers," "leveling," or "transferable warranties."

Flood History: Post-Hurricane Harvey, Texas laws around flood disclosure are much stricter. Sellers must disclose if the property has ever flooded, even if it's not in a FEMA-designated 100-year floodplain.

Environmental Hazards: Mentions of "lead-based paint" (pre-1978) or "asbestos" are common in older Austin or San Antonio neighborhoods.

MUD and PID Disclosures

Texas is unique for its Municipal Utility Districts (MUDs) and Public Improvement Districts (PIDs).

MUDs: Special districts that provide water/sewer to area outside city limits. They come with their own taxing authority. Unwildered flags if a property is in a MUD and calculates the potential tax impact.

PIDs: Often found in high-end developments, these are additional assessments for "extra" amenities like parks or private security.

2. The "Option Period": Your Safety Net

In Texas, buyers typically negotiate a 5–10 day "Option Period" for a small fee (usually $100-$500). This provides an "unrestricted right to terminate" the contract.

The Rush: Because the window is so short, getting a "Full Disclosure Review" from Unwildered within minutes of getting your docs can save you days of waiting for an inspector's report.

Inspection vs. Disclosure: While an inspector looks at the physical house, Unwildered looks at the *legal and financial* house (Title, HOA, Surveys).

3. Key Texas Risks to Watch

Severed Mineral Rights: In Texas, you can own the "surface" of the land while someone else owns the "minerals" beneath it (oil, gas). This can lead to drills on or near your property. Unwildered flags mentions of "Mineral Reservations" in the Commitment for Title Insurance.

Foundation and Drainage: We look for keywords like "grading," "sump pumps," or "French drains" in the disclosure notes which might indicate ongoing moisture issues.

CLUE Reports: The Comprehensive Loss Underwriting Exchange (CLUE) shows a 7-year history of insurance claims. If a home has had three roof claims in five years, Unwildered will flag that it might be uninsurable or extremely expensive to cover.

4. HOA and POA Rules in Texas

Texas has powerful Homeowners Associations (HOAs) and Property Owners Associations (POAs).

Fines and Liens: Texas HOAs can be aggressive. We scan the "Resale Certificate" for any outstanding fines the seller hasn't paid.

Short-Term Rentals: Many Texas cities (like Austin) have strict STR ordinances. Even if the city allows it, the HOA CC&Rs may ban it. Unwildered checks the bylaws for these specific restrictions.

5. Regional Nuances: Metro Specifics

Texas is huge, and the risks change by zip code.

Houston & The Gulf Coast

Flooding is King: In Harris County, if a property is in the "100-year" or "500-year" floodplain, flood insurance is effectively mandatory. We continually check against new FEMA maps.

Subsidence: Some areas of Houston are sinking due to groundwater pumping, leading to foundation shearing.

Austin & Hill Country

Impervious Cover: Austin has strict environmental rules. If you buy a fixer-upper, you might not be allowed to add a patio or ADU because you've hit the "impervious cover" limit.

Oak Wilt: In the Hill Country, this fungus kills trees. A "diseased tree" disclosure can cost a buyer $10,000+ in removal fees.

Dallas-Fort Worth

Foundation Capital of the World: DFW sits on shrinking/swelling clay soil. A "Lifetime Transferable Warranty" on foundation work is a key document we look for in the closing packet.

6. How Unwildered Helps in Texas

Our AI engine works 24/7 to provide:

1. Pillar Analysis: A 7-pillar forensic audit focused on Texas-specific risks.

2. Evidence-Based Findings: We don't just say "there's a risk"; we point to the exact page and paragraph in the TREC 1-4 Family Contract or the Seller's Disclosure.

3. Enquiry Generation: We provide three ready-to-send questions for your Texas Buyer's Agent to ask the Listing Agent.

7. How to Get the Documents You Need

In Texas, your agent will usually send you an email with several PDF attachments or a link to a secure portal.

Ask your agent: *"Can you send me the 'Seller's Disclosure Notice,' the 'Title Commitment,' and the 'HOA Resale Certificate' as PDFs? I want to run a Unwildered Red Flag report before the Option Period ends."*

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Common Questions

How does Unwildered work?
Unwildered uses specialized AI to scan your disclosure package. We check your documents against our comprehensive legal playbooks, highlighting critical risks and state-specific nuances to help you proceed with confidence.
Is my data private?
Absolutely. We never share your data with third parties, and we never use your documents to train our AI models. Your property data is encrypted and strictly confidential.
Residential vs Commercial?
While our focus is on residential disclosure packages and HOA docs, the engine can scan commercial lease summaries and title reports against our 40-point risk framework.
Is a Disclosure Notice mandatory?
Yes, for most residential sales in Texas. Ask your agent for the 'Seller's Disclosure Notice' early in the option period.
Is this legal advice?
No. We provide a forensic data analysis of your documents. We recommend sharing our findings with your Texas licensed real estate attorney.
What is the 'Option Period'?
It's a negotiated timeframe (usually 5-10 days) where you can cancel the contract for any reason. Our tool helps you make that decision faster.

How to get your documents:

Copy and paste this request to your real estate agent:

"Hi, I'm interested in this property. Before we proceed, could you please forward the Seller's Disclosure Notice and any HOA Documents? I'd like to read through them. Thanks."

Real Estate Glossary

SDN (Seller's Disclosure Notice): A TREC-mandated form where the seller lists the condition of the home and any known issues.
MUD (Municipal Utility District): A special district that provides water and sewer services, often with additional tax obligations for homeowners.
Mineral Rights: The right to extract oil, gas, or minerals from the land, which in Texas are often 'severed' from the surface rights.
Option Fee: A small payment made to the seller to secure the right to terminate the contract during the inspection period.