You'll have to adjust your withholding amounts. Since you had 3 different jobs, it sounds like it wasn't withholding correctly since each job assumed you didn't make any other income for the year. If you switch jobs during the year, you have to correctly indicate on your W-4 so that the new employer knows how much to withhold.

By my calculations, you’ll owe about $70.

We need the exact withholding amounts.

What is your gross income, federal withholding, and FICA withholding at YTD?

Real estate markets go down, too.

We’d need all of your W-2 numbers to verify. Very possible that you owe.

Doubtful. It takes them a long time to do this.

Have you asked insurance about reinstating the policy and paying back premiums?