Whose obligation is it to disclose pertinent information about a property?

You are required to disclose all facts materially affecting the value or desirability of the property which are known or accessible only to you.

This might include: homeowners association dues; whether or not work done on the house meets local building codes and permits requirements; the presence of any neighborhood nuisances or noises which a prospective buyer might not notice, such as a dog that barks every night or poor TV reception; and any restrictions on the use of the property, such as zoning ordinances or association rules.