Which lien is typically created without any action by the property owner?

The IRS lien is a type of involuntary lien that arises when an individual or entity fails to pay federal taxes owed to the Internal Revenue Service. This lien is automatically created by law, without any action needed from the property owner. When taxes are not paid, the IRS can file a lien to secure the government's interest in the taxpayer's property, both real and personal. This means that the lien attaches itself to the property automatically, giving the IRS a claim over the property in order to satisfy the unpaid tax obligations.

In contrast, other liens, such as a vendor's lien or a mortgage lien, generally require some form of agreement or action from the property owner. A vendor's lien arises from an unpaid purchase price for property, often contingent on an agreement between the buyer and seller. A mortgage lien is voluntarily placed by a borrower as part of a loan arrangement. An equitable lien is also established through the actions or agreements of parties involved, typically stemming from a transaction or court judgment. Thus, the defining characteristic of the IRS lien being involuntary and created without any action from the property owner makes it the correct answer in this case.