If you have taxable income you can file a tax return. As for homeownership----unless you have enough itemized deductions like mortgage interest, property tax paid, etc. etc. to exceed your standard deduction, home ownership will have no effect on your tax due or refund.
You have not mentioned what income you are receiving or if tax has been withheld from that income.
Who has to file?
http://www.irs.gov/uac/Do-I-Need-to-File-a-Tax-Return%3F
It depends. Do you have taxable income? If so, then yes, you will need to file. If you do not have taxable income, then no, you would not need to file a return. The taxes and interest you pay will not result in a refund if you did not pay taxes in and if they are not higher than your standard deduction. These are part of itemized deductions that can lower your taxable income, but it will not result in less than $0 income. So if you did not pay taxes in and do not have a tax liability, you would not see any type of benefit on your return from the interest and taxes.
If you are single and over 65, then your 2024 Standard Deductions would be $16,550. So if you have taxable income less than that, and are not due a refund because of taxes you paid in, then you would not be able to e-file a return. You could paper file, but you would have no filing requirements.