Got Mail From the IRS? Here’s What Every Homeowner Should Know

 Plus: How Owing the IRS Can Affect Your Property

If you’ve ever opened your mailbox to find a letter from the IRS, your first instinct might be to panic—but don’t worry. While receiving official correspondence from the IRS can be unsettling, it’s not always bad news. As a real estate agent, I know how financial decisions—including tax issues—can affect your homeownership and property goals. Let’s break down what you should do when you get mail from the IRS, and how owing the IRS can potentially impact your property.


📬 Why You Might Get a Letter From the IRS

The IRS sends notices and letters for several reasons, including:

  • Asking for information about your federal tax return

  • Notifying you of changes to your account

  • Requesting payment for taxes owed

  • Clarifying a specific issue or error on your return

Here’s what to do if you receive one:


✅ 1. Don’t Panic—Read Carefully

Most IRS letters are routine. Take a deep breath and read the notice thoroughly. The letter will explain:

  • Why they contacted you

  • What (if anything) you need to do

  • If you owe money, or if your account was adjusted


🧐 2. Review and Compare

If the letter mentions a change to your tax return, compare it with your original filing. If the correction looks accurate, simply note the change and keep the letter for your records. If something doesn’t look right, you may need to take further action.


💳 3. Take Action If Required

If the IRS asks for more information or requests payment, don’t ignore it. Delaying your response could result in added penalties or interest. You can log into your IRS Online Account to confirm details, make payments, or view copies of certain notices.


📞 4. Contact Only If Instructed

You usually don’t need to respond unless the letter says so. If a call is necessary, use the phone number listed in the top corner of the letter, and have your documents ready.


⚖️ 5. Dispute If You Don’t Agree

Think there’s been a mistake? Follow the instructions in the letter to dispute it. Include any supporting documentation to make your case.


🗂️ 6. Keep a Copy for Your Records

Hold onto all IRS correspondence—especially if it involves adjustments to your return. Keep these documents for at least three years.


🚫 Watch Out for Scams

The IRS will never contact you via text message, social media, or email. If you receive a suspicious message or call claiming to be from the IRS, report it immediately at www.reportfraud.ftc.gov.


🏡 How Owing the IRS Can Affect Your Property

As a homeowner, here’s the part you really want to pay attention to:

🔗 The IRS Can File a Tax Lien Against Your Property

If you owe back taxes and don’t take steps to pay or dispute the debt, the IRS can issue a Notice of Federal Tax Lien. This means:

  • Your property (home, land, etc.) could be legally claimed as collateral for unpaid taxes.

  • A lien can affect your credit score and make it difficult to sell or refinance your home.

  • Even if you sell the property, the IRS may claim proceeds from the sale to satisfy the tax debt.

💼 How to Avoid It

  • Respond to IRS notices promptly.

  • Work out a payment plan if needed.

  • Seek help from a tax professional or accountant.

  • If you’re selling your home and owe the IRS, let your real estate agent know so it can be addressed before closing.


💬 Final Thoughts

While IRS letters might seem intimidating, they’re often just informational. Taking quick action and staying informed can help you avoid bigger issues down the road—especially when it comes to your home.

If you’re thinking about selling or buying a property and have tax concerns, I can help connect you with trusted professionals to keep your transaction smooth and stress-free.

Have questions? Let’s chat. I’m here to help you protect your home—and your peace of mind.

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