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 32187 are overassessed?

28.6% of homes in San Mateo ZIP 32187 (206 of 721 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 San Mateo ZIP 32187?

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 · San Mateo

ZIP 32187 property tax overassessment report

28.6% of homes in San Mateo ZIP 32187 (206 of 721 parcels) are assessed more than 10% above what comparable-size homes in the same ZIP typically pay per square foot. Combined annual overpayment: $238,333.

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721

Homes in ZIP

206

Flagged as overassessed

28.6%

$134,530

Avg overage / home

$215,620

Typical value

~$117/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 32187

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
6XX S HIGHWAY 17	7,371	2011	$2,200,790	$862,407	$1,338,383	155.2%	$11,510
8XX E STATE RD 100	1,564	2016	$880,586	$182,988	$697,598	381.2%	$5,999
1XX TILTON DR	924	1985	$731,560	$108,108	$623,452	576.7%	$5,362
6XX E STATE RD 100	884	2007	$703,920	$103,428	$600,492	580.6%	$5,164
1XX CROSBY RD	3,669	1984	$980,410	$429,273	$551,137	128.4%	$4,740
1XX CROSBY RD	3,546	1981	$936,910	$414,882	$522,028	125.8%	$4,489
6XX EAST END RD	3,010	2014	$816,240	$352,170	$464,070	131.8%	$3,991
4XX EAST END RD	1,621	1958	$630,630	$189,657	$440,973	232.5%	$3,792
1XX STEAMBOAT CT	1,381	2005	$579,870	$161,577	$418,293	258.9%	$3,597
1XX JADE TRL	3,543	1940	$830,898	$414,531	$416,367	100.4%	$3,581
1XX DUNN AV	3,207	1977	$780,085	$375,219	$404,866	107.9%	$3,482
1XX TUPELO DR	2,857	2021	$698,020	$334,269	$363,751	108.8%	$3,128
4XX S HIGHWAY 17	2,019	1966	$585,994	$236,223	$349,771	148.1%	$3,008
1XX DIVI DIVI DR	3,141	1986	$707,440	$367,497	$339,943	92.5%	$2,924
1XX TILTON DR	1,818	1993	$547,000	$212,706	$334,294	157.2%	$2,875
1XX RIVERSIDE WAY	2,822	2004	$663,090	$330,174	$332,916	100.8%	$2,863
1XX CURRIE RD	2,313	2021	$594,970	$270,621	$324,349	119.9%	$2,789
1XX N BARTRAM TR	4,310	1986	$806,370	$504,270	$302,100	59.9%	$2,598
1XX DOTNEY AV	578	1980	$358,450	$67,626	$290,824	430%	$2,501
6XX S HIGHWAY 17	832	1990	$385,220	$97,344	$287,876	295.7%	$2,476
6XX E STATE RD 100	2,367	2002	$547,038	$276,939	$270,099	97.5%	$2,323
2XX SAN MATEO RD	1,675	1976	$460,880	$195,975	$264,905	135.2%	$2,278
1XX RIVERSIDE WAY	1,720	1956	$465,070	$201,240	$263,830	131.1%	$2,269
4XX EAST END RD	2,257	1940	$523,400	$264,069	$259,331	98.2%	$2,230
1XX TUPELO DR	1,620	1990	$443,880	$189,540	$254,340	134.2%	$2,187

Data: FL DOR 2025 Final NAL roll, Putnam County, ZIP 32187. 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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