What does DisclosureIQ do?

DisclosureIQ is an AI tool that analyzes California real estate disclosure packets. Upload a TDS, NHD, SPQ, inspection reports, and HOA documents, and DisclosureIQ produces a client-ready report with every finding cited back to the exact PDF page, plus a Cost Analysis with regional contractor pricing.

How many official data sources does DisclosureIQ cross-check?

40 distinct official public data sources are queried live per report, including FEMA NFHL flood, FEMA NFIP claims, Cal Fire Fire Hazard Severity Zones, Cal Fire FRAP fire perimeters, USGS Alquist-Priolo earthquake faults, USGS Quaternary Faults, USGS earthquake catalog, USGS NID Dams, CalEnviroScreen 4.0, DTSC EnviroStor, SWRCB GeoTracker, NOAA Tsunami, NOAA Storm Events, NOAA Climate Normals, NWS Alerts and Forecast, EPA Superfund SEMS, EPA Toxic Release Inventory, EPA AirNow, EPA Radon Zone, US Census ACS, CA Coastal Commission, CalGEM Oil and Gas Wells, FAA airports, USDA NRCS Soil Survey, CGS Landslide Inventory, USFWS Wetlands and Critical Habitat, CalTrans Highway Proximity and Transportation Noise, CEC Climate Zones, OPR Historic Resources, NASA Sea Level Rise, US Drought Monitor, FCC Broadband and Census geocoder, FBI UCR Crime, CA DPR Pesticide Use, CA Special Assessment Districts (Mello-Roos and PACE), CA Williamson Act, CA Regional Water Quality Cleanup Sites, county assessor and recorder parcel and deed records, and OpenStreetMap walkability, amenities, and nearby schools.

What is the maximum disclosure packet size DisclosureIQ can handle?

Built for full disclosure packets, hundreds of pages. Very large packets get an automated pass over most of the file, and Matt reads the full packet personally before anything reaches you. The PDF must be text-searchable, not a scanned image. On your phone? Email the packet to matt@matthewsmithrealty.com and Matt will run it for you.

What is the difference between Single Property Review and Quick Look?

Single Property Review takes a seller's disclosure PDF and produces the full Client Breakdown plus Cost Analysis with all findings cited. Quick Look is free, address-only, and produces a public-data brief on flood zone, wildfire risk, faults, schools, walkability, and air quality from FEMA, Cal Fire, USGS, EPA, OSM, and other sources, useful before the seller hands over a packet.

What does DisclosureIQ cost?

DisclosureIQ is free for California buyers and sellers. Run your report and it comes to Matt, who reviews it and reaches out with straight answers. No credit card. No upsell.

What California counties does DisclosureIQ cover?

Coverage spans six core Northern California counties (Marin, Mendocino, Sacramento, Sonoma, Lake, Napa) plus growing service in Placer County. Federal and state data sources work statewide; county and city specifics are tuned for these areas.

Who operates DisclosureIQ?

DisclosureIQ is operated by Matthew Smith, a California licensed real estate agent (DRE #02184215) with Luxe Places International Realty. Contact 707-893-7374 or matt@matthewsmithrealty.com.

Does DisclosureIQ replace professional inspection or legal review?

No. DisclosureIQ generates AI-assisted summaries to accelerate review. Always verify findings against the original disclosure documents and consult licensed professionals before relying on report content for real estate transactions.

Free for California buyers and sellers · Reviewed by Matt

Turn 1,000-page
disclosure packets into
a clear breakdown
in minutes, not days.

Upload your disclosure packet, including the TDS, NHD, SPQ, inspection reports, and HOA documents. Get a clear, plain-English breakdown of every finding plus a cost analysis with local contractor estimates. Every finding links back to the exact document and page. Free for California buyers and sellers. Every report is reviewed by Matt, and he reaches out with the straight answers. An advocate, not just an agent.

Today's public sources

FEMA Flood · Cal Fire Hazard Zones · USGS Faults · CalEnviroScreen · NOAA Climate · EPA Superfund · CA Coastal · USDA Soil · FCC Broadband · Caltrans Noise · CGS Landslide · Dam Inundation · FEMA Flood · Cal Fire Hazard Zones · USGS Faults · CalEnviroScreen · NOAA Climate · EPA Superfund · CA Coastal · USDA Soil · FCC Broadband · Caltrans Noise · CGS Landslide · Dam Inundation ·

Two ways to start. Pick the one that fits what you have.

Option 1 · Recommended Single Property Review

Upload your disclosure packet

What you'll get: a clear, plain-English breakdown of every TDS, NHD, inspection report, and HOA document in the packet, plus cost estimates from local contractors so you know what each finding might cost to fix. Every finding linked back to the exact PDF page.

Upload a packet

Built for full disclosure packets · Ready in minutes

📄 Every finding cited to the exact PDF page 💰 Cost estimates from local contractors 🤝 Repair credit ranges and talking points for your offer

First time? Open a sample report

Option 2 · No PDF needed Quick Look

Just have the address?

What you'll get: a free property brief on flood zone, wildfire risk, earthquake faults, schools, walkability, and air quality, pulled live from FEMA, Cal Fire, USGS, EPA, and other public records. Useful before you tour or write an offer.

Free · No signup · No PDF MLS listings & sold history coming soon

Not sure which to pick? If the seller already gave you a disclosure PDF, choose Option 1 above for the full review. If you're just curious about a listing, Option 2 below is free and runs in seconds from the address alone.

Disclosure reports analyzed for buyers across Northern California.

Full

packets welcome, hundreds of pages, and Matt reads the full file personally

public data sources cross-checked

Cited

every finding sourced to a document or layer

No packet? No problem.

Get a real property brief from just an address.

Sometimes you do not have the disclosures yet. Maybe you saw a listing this morning, maybe you just left an open house, maybe you are gut-checking a property before you ask for the seller packet. Quick Look pulls every public data layer we have, in about 60 seconds, from a single address.

FEMA flood, Cal Fire FHSZ, USGS earthquake faults from the live federal and state maps, not last year's NHD report
CalEnviroScreen 4.0 pollution percentile, drinking water, asthma, PM2.5 for the census tract
State-tracked cleanup sites within 1 mile (DTSC EnviroStor)
Tsunami, dam inundation, landslide susceptibility for the parcel
Walkability snapshot from OpenStreetMap, nearest CA public schools, neighborhood demographics from US Census
Insurance availability outlook derived from current Cal Fire and FEMA data, with FAIR Plan flag
30-year climate risk composite score, 1 to 10, with a plain English narrative
County permit history when available

Try a Quick Look Takes about 60 seconds · No PDF required

Pre-Offer Brief sample

123 Vista Lane, Sausalito CA

Climate risk7 / 10

Cal Fire FHSZVery High

FEMA floodZone X

CalEnviroScreen12th percentile

WalkabilityVery Walkable

Insurance outlookFAIR Plan likely

Median home value$1.4M

Cleanup sites within 1mi0

Real Quick Looks include narrative, citations, and "next steps" guidance.

How it works

Built like a senior agent reads a packet, only faster.

Reads every page

Goes through the whole packet, separates the documents inside it, and knows which page each one starts on. No more flipping through hundreds of pages to find one thing.

Pulls the property facts

Address, year built, square footage, taxes, owner history, listing details. Pulled from the MLS, the title report, and county records so you do not have to.

Reviews the inspections

Home, pest, sewer, roof, chimney, structural. Sorts findings by how serious they are and tells you the page in the report where each one came from.

Reviews the HOA

Dues, reserves, budget, meeting minutes, insurance, deck inspections, CC&Rs. Flags risks like special assessments coming or reserves below 70 percent.

Checks public records

FEMA flood maps, Cal Fire fire zones, earthquake faults, contaminated sites, county permits. Catches changes since the seller's disclosure was written.

Writes the report

A plain-English summary with every finding cited to its exact page, a cost breakdown using local contractor rates for your region, and a shareable link you can send to your family or your agent the same day.

Data sources

Cross-checked against 40 official public data sources.

A real disclosure review doesn't stop at the packet. We pull live data from federal, state, and county sources so you catch what's changed since the seller's natural hazard disclosure was prepared.

FEMA NFHL Flood FEMA NFIP Claims Cal Fire FHSZ Cal Fire FRAP Perimeters USGS Alquist-Priolo USGS Quaternary Faults USGS Earthquake Catalog CGS Landslide Inventory CA Dams (USGS NID) DTSC EnviroStor SWRCB GeoTracker RWQCB Cleanup Sites NOAA Tsunami NOAA Storm Events NWS Alerts / Forecast NOAA Climate Normals EPA Superfund SEMS EPA Toxic Release EPA AirNow AQI EPA Radon Zone CalEnviroScreen 4.0 CA Coastal Commission CalGEM Oil & Gas FAA Airports USFWS Wetlands NWI USFWS Critical Habitat CalTrans Highways BTS Transportation Noise CEC Climate Zones OPR Historic Resources NASA Sea Level Rise US Drought Monitor FCC Broadband US Census ACS FBI UCR Crime CA DPR Pesticide Use CA Williamson Act Mello-Roos / PACE County Assessor County Recorder County Permits USDA NRCS Soil OSM Schools & Amenities NREL PV Watts

Free for all California buyers and sellers, by Matt Smith

Turn 1,000-page
disclosure packets into
a clear breakdown
in minutes, not days.

Upload your disclosure packet

Just have the address?

Run a review now

Drop your disclosure packet here.

See exactly what your report will look like.

Get a real property brief from just an address.

Built like a senior agent reads a packet, only faster.

Cross-checked against 40 official public data sources.

Free for all California buyers and sellers, by Matt Smith

Turn 1,000-page disclosure packets into a clear breakdown in minutes, not days.

Upload your disclosure packet

Just have the address?

Run a review now

Drop your disclosure packet here.

See exactly what your report will look like.

Get a real property brief from just an address.

Built like a senior agent reads a packet, only faster.

Cross-checked against 40 official public data sources.

Free for all California buyers and sellers, by Matt Smith

Turn 1,000-page
disclosure packets into
a clear breakdown
in minutes, not days.