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Ohio property taxes are paid in arrears.  Here is an article explaining.  https://thecincyblog.com/2021/07/22/ohio-property-taxation-explained-again/   The taxes you paid in January 2025 covered the period from January 1, 2024 through June 30, 2024.    The taxes you paid in June 2025 cover the period from July 1 2024 through December 31, 2024.    That means that when you sell the home, you owe an additional amount to cover the period from January 1, 2025 through the closing date.     When you originally bought the home, you did not have to pay as much into escrow as buyers in other states.  For example, the buyer of your house won't owe any tax payment in January 2026, because that would cover January-June 2025 which you paid because you owned the house.  And they will owe only a partial payment in July 2026, because that will cover July-December 2025, when the only owned the home about 1/3 of the time.  That same calculation benefitted you back whenever you bought the house.  You paid less when you bought and more when you sell, but in the end, you only pay for the number of days you owned the home.   

"Can spouse deduct Traditional IRA if only one spouse has a 401(k) and income is over $500k?"   No.  In this case, neither spouse's traditional IRA contribution for 2025 is permitted to be deducted if filing jointly and MAGI is above $246,000.  ($240,000 is the MAGI limit that applies to traditional IRA contributions made for 2024.)

@rjs wrote: If the check from the joint account exceeds the annual gift tax exclusion for one person, Form 709 is required. If the gift from the joint account exceeds the combined annual exclusion for BOTH joint account holders, then Form 709 is required.   A lot of the time, parents with joint accounts are not even writing checks. Instead, they're transferring the gifted funds from their JTWROS account to their kid's account via ACH.

thanks for the additional info.  Sad it has to be this complex.  The 5 efile limit is per person.  You would think 2 people in the same household would be able to simply download their separate software on the same computer and each file their 5 returns using their own accounts, without all these unknowns.  We were able to do so last year but using 2 separate computers using the same home internet, 2 separate licenses, 2 separate emails.  Now they add a new twist this year requiring windows 11, so that means if we (and I assume many others soon to fine out the same) only have 1 computer with windows 11 (we had to go buy a new one as we can't upgrade the other 2), and we can't each file our 5 returns as allowed before, it will force us to buy another windows 11 computer or use some other computer at another IP location (ie one of our kids) to download the second software license and file the returns from there which I assume is OK. If so, nothing but a hassle trying to do what we are allowed to do, each file 5 returns.  Thanks for your input.  Will update once we each get rolling.

You may have more than one account.  See this TurboTax support FAQ for how to view all of your accounts - https://ttlc.intuit.com/turbotax-support/en-us/help-article/account-management/many-intuit-accounts-turbotax/L9aVfKS1Z_US_en_US?uid=ll5g6zcx   To access your current or prior year online tax returns sign onto the TurboTax website with the User ID you used to create the account - https://myturbotax.intuit.com/ Scroll down to the bottom of the screen and on the section Your tax returns & documents.  Click on the Year and Click on Download/print return (PDF)   If you used the desktop CD/Download editions installed on your computer, the only copy of your tax data file and any PDF's will be on the computer where the return was created.  TurboTax does not store online any returns completed using the desktop editions.