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 32189 are overassessed?

32% of homes in Satsuma ZIP 32189 (937 of 2,924 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 Satsuma ZIP 32189?

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 · Satsuma

ZIP 32189 property tax overassessment report

32% of homes in Satsuma ZIP 32189 (937 of 2,924 parcels) are assessed more than 10% above what comparable-size homes in the same ZIP typically pay per square foot. Combined annual overpayment: $608,411.

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

2,924

Homes in ZIP

937

Flagged as overassessed

32%

$75,502

Avg overage / home

$150,218

Typical value

~$109/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 32189

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
1XX NORTONS FISH CAMP RD	3,260	2002	$1,322,850	$355,340	$967,510	272.3%	$8,321
2XX WHITNEY ST	5,693	1955	$1,391,570	$620,537	$771,033	124.3%	$6,631
4XX COUNTY RD 309	3,895	1982	$1,093,410	$424,555	$668,855	157.5%	$5,752
3XX E BUFFALO BLUFF RD	3,260	2001	$997,150	$355,340	$641,810	180.6%	$5,520
2XX WHITNEY ST	3,295	1951	$876,140	$359,155	$516,985	143.9%	$4,446
1XX E BUFFALO BLUFF RD	2,784	2022	$813,820	$303,456	$510,364	168.2%	$4,389
3XX E BUFFALO BLUFF RD	3,364	2002	$847,760	$366,676	$481,084	131.2%	$4,137
2XX WHITNEY ST	2,593	1979	$749,190	$282,637	$466,553	165.1%	$4,012
3XX SARATOGA DR	3,718	2023	$861,210	$405,262	$455,948	112.5%	$3,921
3XX E BUFFALO BLUFF RD	1,944	1957	$649,930	$211,896	$438,034	206.7%	$3,767
2XX WOODBURY TRL	5,517	2002	$1,038,940	$601,353	$437,587	72.8%	$3,763
3XX E BUFFALO BLUFF RD	3,512	2020	$792,820	$382,808	$410,012	107.1%	$3,526
1XX RIVERSIDE DR	3,898	2015	$834,470	$424,882	$409,588	96.4%	$3,522
3XX E BUFFALO BLUFF RD	2,703	2010	$693,490	$294,627	$398,863	135.4%	$3,430
2XX BAKER RD	1,110	2017	$511,570	$120,990	$390,580	322.8%	$3,359
3XX E BUFFALO BLUFF RD	1,450	1946	$546,600	$158,050	$388,550	245.8%	$3,342
1XX WHITNEY ST	2,769	2002	$685,130	$301,821	$383,309	127%	$3,296
3XX PARADISE CIR	1,026	2021	$492,580	$111,834	$380,746	340.5%	$3,274
3XX E BUFFALO BLUFF RD	4,042	1980	$819,700	$440,578	$379,122	86.1%	$3,260
1XX SHELL TRL	4,249	2004	$815,470	$463,141	$352,329	76.1%	$3,030
1XX MONROE AV	1,748	2018	$520,120	$190,532	$329,588	173%	$2,834
3XX COVE DR	2,544	1958	$600,628	$277,296	$323,332	116.6%	$2,781
2XX WHITNEY ST	2,042	1978	$533,930	$222,578	$311,352	139.9%	$2,678
1XX WHITNEY ST	1,891	1994	$513,040	$206,119	$306,921	148.9%	$2,640
1XX NASHUA AV	1,652	1985	$485,130	$180,068	$305,062	169.4%	$2,624

Data: FL DOR 2025 Final NAL roll, Putnam County, ZIP 32189. 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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