Prior owners were elderly and had several tax breaks that we inherited in year one. Then the bank figured it out this year when they were confronted with the higher tax bill and paid it, making our escrow balance negative. Which was fine, we anticipated that. But also the bank wants a hefty escrow balance at all times, so the amount we had to "make up" was more than double the tax difference. Still, thankful we bought this house in Feb 2020, before the price run up. We couldn't afford it at today's valuation - it has gone up more than $200k since we bought it.