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What home records should I keep, and for how long?

Last updated 12 October 2026

The short answer

Keep your closing documents, inspection report, receipts for improvements, warranties and owner's manuals for as long as you own the house, and the tax records for a while after. The IRS says to keep records relating to property until the period of limitations expires for the year you dispose of it, because you need them to figure your gain or loss when you sell.

What to keep

  • Closing documents. IRS Publication 523 lists closing costs you can include in your basis, among them recording fees, survey fees, transfer taxes and owner's title insurance.
  • Receipts for improvements. In the IRS's words, “You add the cost of additions and improvements to the basis of your property.” Repairs and maintenance that keep the house in good condition do not count.
  • The inspection report: the record of the house's condition when you bought it.
  • Warranties, with the dates they end.
  • Owner's manuals, which hold the maker's maintenance schedule.
  • Service records: what was done, when, and by whom.

How long

The IRS: “Generally, keep records relating to property until the period of limitations expires for the year in which you dispose of the property.” In practice that means for as long as you own the house, and the tax records for the period after you sell. The IRS page explains how long that period is.

Where HavnOS fits

On the free plan, HavnOS keeps your inspection report and purchase contract. Filing everything else — receipts, warranties, manuals — is part of Pro.

Sources

  1. Internal Revenue Service — How long should I keep records?
  2. Internal Revenue Service — Publication 523, Selling your home

Each source was read on 12 October 2026. Quotes are the source's own words.

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