Our property tax is twice yearly and is not rolled into the mortgage because there is no mortgage on the house. So if we had not sold the home by December then we would owe an additional 14K out of pocket.
It shouldnāt matter if you have a mortgage or not - in CA you pay 1/2 āin advanceā and 1/2 āin arrearsā. So if you had paid in advance then the buyer should have credited you for the portion they owned the home (this happened with us when we purchased a home in southern CA). You would have gotten the $14k (or whatever portion of) back from the buyers after selling. But still agreed, Iām sure it was nice not to have to write that check 
Most people would miss 14K in their bank account for an undetermined amount of time.
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