What is a property tax appeal?

A property tax appeal (also called a protest in Texas, or a VAB petition in Florida) is a formal process where you challenge your county appraiser's assessed value of your home. You file with the county Appraisal Review Board (Texas) or Value Adjustment Board (Florida), present comparable-sales evidence that your home is overvalued, and the board issues a ruling.

When is the Florida property tax appeal deadline?

Florida property owners have 25 days from the date the TRIM (Truth in Millage) notice is mailed to file a VAB petition (Form DR-486). TRIM notices typically mail mid-August, putting the petition deadline in early-to-mid September. The deadline varies by county and is printed on the TRIM notice itself.

When is the Texas property tax appeal deadline?

In Texas, the deadline to file a property tax protest is May 15 each year (or 30 days after your appraisal notice is mailed, whichever is later). The 2026 deadline has passed; the next protest window is April-May 2027.

How much can I save by appealing my property taxes?

Homeowners who appeal save an average of $774 per year in Texas and several hundred to several thousand dollars per year in Florida (Save Our Homes locks in the savings for 10+ years). Success rates range from 80-91% when you bring 3-5 comparable sales as evidence.

What's the difference between AppealMyTax and Ownwell?

AppealMyTax charges a flat $49 for a complete personalized appeal packet you file yourself, or $199-$249 for our done-for-you filing service. Ownwell charges a 25-35% contingency on whatever you save — meaning a $2,000 reduction costs you $500-$700 every year forever. We keep 100% of your savings.

What percent of homes in ZIP 32177 are overassessed?

27.3% of homes in Palatka ZIP 32177 (2,520 of 9,237 parcels) are assessed more than 10% above the typical per-square-foot value for the neighborhood, based on the FL DOR 2025 Final NAL roll.

How do I appeal my property taxes in Palatka ZIP 32177?

File Form DR-486 with the Putnam County Value Adjustment Board within 25 days of your TRIM notice (typically mid-August). The $15 filing fee is paid to the Clerk of Court. Strong petitions include 3-5 comparable sales from your immediate area.

Putnam County · Palatka

ZIP 32177 property tax overassessment report

27.3% of homes in Palatka ZIP 32177 (2,520 of 9,237 parcels) are assessed more than 10% above what comparable-size homes in the same ZIP typically pay per square foot. Combined annual overpayment: $2,743,729.

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★ $49 flat protest packet · 30-day refund · Ownwell charges 25-35% of your savings

9,237

Homes in ZIP

2,520

Flagged as overassessed

27.3%

$126,602

Avg overage / home

$193,447

Typical value

~$108/sqft

Your Putnam County deadline

TRIM mailing: Aug 14, 2026 · VAB petition due: Sept 8, 2026

Putnam filing guide →

Top 25 most overassessed homes in 32177

Addresses anonymized. Pulled directly from the FL DOR 2025 Final NAL roll. Each home pays significantly more than what a comparable-size home in this ZIP typically pays.

Address	Sq ft	Year	Just value	Expected	Overage	% over	$/yr
2XXX HUSSON AV	4,346	1973	$4,626,400	$469,368	$4,157,032	885.7%	$35,750
6XXX ST JOHNS AV	1,776	1989	$3,416,940	$191,808	$3,225,132	1681.4%	$27,736
4XXX ST JOHNS AV	3,704	1982	$3,531,190	$400,032	$3,131,158	782.7%	$26,928
2XXX PROSPER ST	2,942	2003	$2,543,420	$317,736	$2,225,684	700.5%	$19,141
2XX ZEAGLER DR	1,238	1988	$2,339,380	$133,704	$2,205,676	1649.7%	$18,969
2XX ZEAGLER DR	4,625	1993	$2,697,281	$499,500	$2,197,781	440%	$18,901
2XX WEST RIVER RD	7,784	1995	$3,013,990	$840,672	$2,173,318	258.5%	$18,691
3XXX ST JOHNS AV	1,152	1981	$2,196,110	$124,416	$2,071,694	1665.1%	$17,817
1XX JONES LOGGING RD	1,574	1972	$1,899,526	$169,992	$1,729,534	1017.4%	$14,874
9XX HOOVER RD	1,620	2015	$1,822,110	$174,960	$1,647,150	941.4%	$14,165
3XXX ST JOHNS AV	7,658	1972	$2,353,180	$827,064	$1,526,116	184.5%	$13,125
5XX WEST RIVER RD	6,421	2020	$2,206,920	$693,468	$1,513,452	218.2%	$13,016
9XX N HIGHWAY 17	2,076	1988	$1,696,040	$224,208	$1,471,832	656.5%	$12,658
5XX WEST RIVER RD	2,484	1900	$1,734,560	$268,272	$1,466,288	546.6%	$12,610
1XX CAMP ROSA PT	2,913	2001	$1,749,750	$314,604	$1,435,146	456.2%	$12,342
1XX PILOTHOUSE CT	1,466	2011	$1,509,770	$158,328	$1,351,442	853.6%	$11,622
1XXX RIVER MIST BEND	6,446	1988	$1,828,730	$696,168	$1,132,562	162.7%	$9,740
7XX FOREST GLEN DR	5,548	1980	$1,720,350	$599,184	$1,121,166	187.1%	$9,642
7XX FOREST GLEN DR	4,470	1983	$1,517,210	$482,760	$1,034,450	214.3%	$8,896
2XX WEST RIVER RD	1,538	1959	$1,159,630	$166,104	$993,526	598.1%	$8,544
2XX WEST RIVER RD	10,516	2004	$2,103,670	$1,135,728	$967,942	85.2%	$8,324
2XX COLLEGE RD	3,470	1980	$1,335,250	$374,760	$960,490	256.3%	$8,260
2XX COLLEGE RD	4,632	1977	$1,429,720	$500,256	$929,464	185.8%	$7,993
3XX WEST RIVER RD	1,337	2017	$1,047,550	$144,396	$903,154	625.5%	$7,767
1XXX S STATE RD 19	1,069	1957	$993,810	$115,452	$878,358	760.8%	$7,554

Data: FL DOR 2025 Final NAL roll, Putnam County, ZIP 32177. Addresses anonymized to protect privacy; full data is public record under Fla. Stat. Ch. 119. Showing top 25 — there are likely more overassessed homes in this ZIP.

Is yours one of them?

Search your address — we'll show your specific overassessment estimate in 30 seconds. Then when PutnamCounty's TRIM notice mails this August, you'll have a $49 DR-486 packet ready to file with the VAB.

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