In Ohio you must disclose system type, age, and last-pump date. Most lenders require an inspection within 90 days of closing showing the system is functional. Some require pumping at sale.
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Ohio Residential Property Disclosure Form requires sellers to disclose: type of sewage system (septic vs sewer), known defects or repairs, last servicing date, and any known violations of county code. Real-estate agents typically attach the disclosure to the listing. Lender requirements: FHA and VA loans require a county-health-district-style septic inspection within 90 days of closing; conventional loans typically require it for properties on septic but the protocol varies by underwriter. USDA loans require the inspection plus often a recent pump-out. Some counties (Delaware, parts of Licking) have transfer-of-property inspection requirements that go beyond lender requirements; check the county health district before listing. Pre-listing inspections (run before going on market) reduce closing-time surprises and shorten days-on-market by a documented 8-12 days for septic homes. Columbus transfer-of-property inspection requirements: Delaware County requires a current septic inspection on most transfers in some townships. Licking County varies by area. Fairfield County is similar. Pre-listing inspections (before the home goes on market) reduce closing-time surprises and shorten days-on-market by a documented 8-12 days for septic homes versus seller-finds-out-during-buyer-inspection scenarios.