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How Does Arizona’s Speculative Builder Tax Work?

Posted by Brandon Keim | Mar 17, 2025 | 0 Comments

In Arizona, custom-built homes or other improved real estate may be subject to the state's speculative builder tax. Towns and cities impose this tax, which must be paid on the twentieth of any month following a real-estate sale. 

Sellers will fall under the tax when they either improve the property themselves or contract out for renovation or building services. While reconstructed property falls under the tax, unimproved buildings or other real property is exempt. 

What Qualifies as Improved Real Property 

The speculative building tax applies when: 

  • The property is a custom, model, or inventory home 

  • The improvements have started, and the property may or may not be finished 

or 

  • A residential or commercial lot has been improved even without a structure on the property, such as paving or landscaping property 

or 

  • Someone constructed water, power, or streets to the property at any time  

or 

  • Any property put up for sale before it is completed or within 24 months of being substantially completed 

  • Substantially completed means a property passed a final inspection, has a certificate of occupancy, or can be immediately occupied or used 

Property that falls under any of these categories will be subject to the speculative builder tax unless it falls under an exception.  

Exceptions 

One exception to the speculative builder tax is when an improved residence has been either a home or vacation property. In these situations, the tax won't apply. 

A custom home will qualify as either a primary residence or vacation property when: 

  • The seller's immediate family has used the residence as either a primary or secondary home for at least six months prior to the property being put up for sale 

  • The seller hasn't sold more than two custom homes or similar properties in the last three years 

  • The seller hasn't rented out or otherwise licensed the property within two years of putting the house up for sale 

All of these factors must be met to avoid paying the speculative builder tax. 

Even if a property falls under the speculative builder tax, a seller may still be eligible for deductions and city credits. Arizona also has a standard 35 percent deduction.  

If you need help, call Senior Partner, Tax Controversy Attorney, and former IRS attorney Brandon A. Keim at (602) 200-7399 or contact him online to discuss your options.

About the Author

Brandon Keim
Brandon Keim

A Certified Tax Law Specialist, CPA, partner at Frazer Ryan Goldberg & Arnold LLP, and former Senior IRS Trial Attorney, Brandon Keim holds an LL.M. in Taxation from Georgetown University Law Center.

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The act of visiting or communicating with Brandon A. Keim via this website or by email does not constitute an attorney-client relationship. Communications from non-clients via this website are not subject to client confidentiality or attorney-client privilege. Further, the articles, discussion, commentary, forms and sample documentation contained in this website are offered as general guidance only and are not to be relied upon as specific legal advice. For legal advice on a specific matter, please consult with an attorney who is knowledgeable and experienced in that area. Attorneys listed in this website practice only in the jurisdictions in which they are admitted. This website is governed by the Arizona Rules of Professional Conduct.

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