In Florida, what must be disclosed to a buyer?

The correct answer is that the seller must disclose any material facts affecting the property, which includes issues like a neighbor's garage encroaching on the property line. This is crucial information because it can significantly impact the buyer's use and enjoyment of the property. Encroachments can lead to legal disputes and affect property boundaries, making it essential for sellers to disclose such facts to ensure that buyers are fully informed about potential issues that could arise after the purchase.

The other choices generally do not fall under mandatory disclosure requirements in Florida real estate transactions. For example, while the presence of pets might be relevant for some buyers, it typically does not constitute a material fact affecting the property's value or use. Similarly, the age of appliances may be a point of discussion between sellers and buyers but is not a legally required disclosure. Lastly, a seller's financial situation is generally considered personal information and does not affect the physical property conditions or lawful usage in a manner that needs to be disclosed to a buyer.