Who sends the 1099-S after a home sale?

Asked by: Dr. Audrey Parker  |  Last update: October 11, 2025
Score: 4.6/5 (4 votes)

The form is required to be completed by the closing agent, which can be the escrow agent, settlement agent, or title company, responsible for the transaction. The closing agent must furnish a copy of Form 1099-S to both the seller and the IRS.

Do you always get a 1099-S when you sell your house?

Agents and lenders are required to issue a 1099-S for all real-estate sales unless the exclusion is met.

Who is responsible for issuing a 1099-S?

Form 1099-S is used to report the sale or exchange of present or future interests in real estate. It is generally filed by the person responsible for closing the transaction, but depending on the circumstances it might also be filed by the mortgage lender or a broker for one side or other in the transaction.

What do I do if I don't receive a 1099-S?

So, you must contact your payer, IRS, or an efile provider to get your 1099 div tax form on time. If you have not received an expected 1099 div form by a few days after that, contact the payer. If you still do not get the 1099 dividend form by deadline, call the IRS for help at 1-800- 829-1040.

Does the title company send 1099-S?

Yes, if you sell any real property, the IRS will want to know about it through the 1099-S tax form. But there's good news! If you use a title company to close on your property, they will file the 1099-S form for you.

IRS Form 1099 S: Real Estate Taxes Explained

34 related questions found

How do I report the sale of inherited property on my tax return 1099-S?

Your share of sales proceeds (generally reported on Form 1099-S Proceeds From Real Estate Transactions) from the sale of an inherited home should be reported on Schedule D (Form 1040) Capital Gains and Losses in the Investment Income section of TaxAct.

Who generates a 1099 from the sale of a house?

It is typically filed by individuals or entities involved in the sale or exchange of real property. The form is required to be completed by the closing agent, which can be the escrow agent, settlement agent, or title company, responsible for the transaction.

Who would send me a 1099-S?

To avoid violating IRS reporting rules, the lender or agent may send you a 1099-S even if you qualify for the taxable gain exclusion. The gross proceeds from the sale of your home appear in Box 2 of the form.

Who is responsible for reporting a sale to the IRS?

Who is required to report to the I.R.S? Sellers of real property, under guidelines established by the I.R.S., are required to have the dollar amount of their gross proceeds from the sale reported on a Form 1099S.

Who is exempt from 1099-S reporting?

A 1099-S is NOT required if the seller certifies that the sale price is for $250K or less and the sale is for their principal residence. A 1099-S is NOT required if the seller is a corporation or a government unit (this includes most foreclosures and properties sold at county tax auctions).

Who do 1099s get sent to?

What Is 1099 Form Used for? The 1099 form is used to report non-employment income to the Internal Revenue Service (IRS). Businesses are typically required to issue a 1099 form to a taxpayer (other than a corporation) who has received at least $600 or more in non-employment income during the tax year.

Do I have to report the sale of inherited property to the IRS?

Upon selling an inherited asset, if the inherited property produces a gain, you must report it as income on your federal income tax return as a beneficiary.

Do I have to report the sale of my home to the IRS?

Additionally, you must report the sale of the home if you can't exclude all of your capital gain from income. Use Schedule D (Form 1040), Capital Gains and Losses and Form 8949, Sales and Other Dispositions of Capital Assets when required to report the home sale.

Do realtors get 1099s?

The two primary 1099 forms relevant to real estate professionals are Form 1099-MISC and Form 1099-NEC. Historically, real estate professionals have commonly received Form 1099-MISC.

Does selling a house count as taxable income?

Taxpayers who don't qualify to exclude all of the taxable gain from their income must report the gain from the sale of their home when they file their tax return. Anyone who chooses not to claim the exclusion must report the taxable gain on their tax return.

Why did I get a 1099-S when I sold my house?

PRO TIP: Work with a tax professional or check out the IRS website to learn more (the below is an informational overview only). IRS Form 1099-S is a tax document used to ensure that the full amount of capital gains received for a real estate sale are accurately reported to the IRS.

How do I report sale of property on an estate tax return?

Report the sale on Schedule D (Form 1040), Capital Gains and Losses and on Form 8949, Sales and Other Dispositions of Capital Assets: If you sell the property for more than your basis, you have a taxable gain.

Where do I get my 1099-s from?

To order official IRS information returns, which include a scannable Copy A for filing with the IRS and all other applicable copies of the form, visit www.IRS.gov/orderforms.

What happens if I never received my 1099-S?

If you still do not get the form by February 15, call the IRS for help at 1-800- 829-1040. In some cases, you may obtain the information that would be on the 1099 from other sources.

Who issues a 1099 from a closing?

Who is responsible for filing the form? Generally, the person responsible for "closing" a reportable transaction is required to file Form 1099-S. However, determining who is responsible for "closing" the transaction can differ depending on the specific facts of the transaction.

Who is responsible for issuing a 1099?

Per IRS guidelines, employers must issue 1099-NEC to independent contractors who earned more than $600 in non-employment compensation in a year by January 31 of the following year. Form 1099-NEC is sent to the worker or business that performed services and to the IRS.

When should I receive my 1099 SA?

Form 1099-SA is filed by providers of HSAs or MSAs, including Archer and Medicare MSAs. These forms are sent to individual account holders and the IRS. Like other 1099 forms, the issuing entity should send it to the taxpayer by the end of January each year.

When must 1099s be mailed out?

Statements to Recipients

You can furnish each recipient with a single payee statement reporting all Form 1099-MISC payment types. You are required to furnish the payee statements by January 31 and file with the IRS by February 28 (March 31, if filing electronically).

Do I have to report a 1099-S on my tax return?

If the 1099-S was for a timeshare or vacation home, it's considered a personal capital asset to you and the sale is reportable on Federal Form 8949 and Schedule D. A gain on this sale is reportable income.