When we think about the cost of homeownership, a few staples immediately come to mind. Your mortgage, maintenance costs, homeowners insurance and potential HOA fees often top the list—then there are property taxes. It’s something that generated a whopping $487 billion for local governments in 2016, according to research from the Tax Policy Center.

When Jim Wang purchased his home, he knew it was subdivided into an 11 acre and two 3 acre lots. The owner had put in a driveway so all three lots could have road access. Jim was satisfied with the road (even though it’s gravel), so he didn’t pursue anything further.

Imagine that you’ve found your dream home in the perfect neighborhood at the right price. You’re about to put an offer on it, but then you learn some disturbing news: the last owner died in the house.

Buying a new car or home in cash may be difficult for the average person to afford. Fortunately, there are financing options available—but not without paying at least a small amount upfront. To approve your loan, most lenders are looking for a down payment.

Each year in the U.S., around 28% of Americans hire an accountant to prepare their taxes, while 34% use a tax software (like TurboTax) and 8% visit a brick-and-mortar tax preparer (like H&R Block) to get their taxes done, according to GOBankingRates. This means that over 70% of Americans don’t prepare their taxes themselves.