After you file

if you got a refund in the same year for an amount for which you got a tax deduction, you need to amend if that would increase your tax bill (you would owe on the amended return).   the itemized deduction limit for taxes is $10,000, so it's possible the refund will have no effect on your federal income taxes.  can't  say if there would be an effect on your state income taxes (assuming you have them)

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