A process for the full disclosure of potential detrimental conditions affecting property transactions organizes the spectrum of disclosure issues that are important to lenders and prospective buyers. The real estate disclosure reporting method includes the compilation of a comprehensive list of items of disclosure based upon federal, state, lender and market requirements. These items of disclosure are classified according to condition categories that provide a systematic procedure for researching and a logical organization for reporting known conditions. A disclosure form provides a listing of the items of disclosure according to these categories. A particular form lists over one hundred items of disclosure under ten separate categories. The disclosure form is completed through a process of researching primary, secondary and third-party sources for information regarding a particular property. Primary sources of information include a property walk-through and an owner interview. Secondary sources of information include government and police records, Internet databases and a property profile. Third-party sources include an appraisal report, escrow documents, termite reports, loan documents, title policies and similar studies, documents and reports. This researched information is used to complete the disclosure form, which, along with supplemental forms providing further comments, legal disclaimers and signatures, constitutes a comprehensive real estate disclosure report.