on 12/6 we got the check back in the mail.
we checked with the bank and even checked our credit card account. as we suspected, both confirmed that we had not paid the second installment for our 2021 town taxes--which was now overdue.
we called the town. they said that they'd look into it and call us back.
it turns out that, due to a clerical error, someone else's tax payment was credited to our account.
the people that we talked to at the town were very nice. we were told to mail our check back to the town and we wouldn't be charged the late fee.
alas, it seems to happen a lot--nice people--but, WTH.
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