What is a property tax appeal?

A property tax appeal (also called a protest) is a formal process where you challenge your county appraisal district's assessed value of your home. In Texas, you file a protest with your county's Appraisal Review Board (ARB), present evidence that your home is overvalued, and the ARB issues a ruling.

What's the deadline to file a property tax protest in Texas?

In Texas, the deadline to file a property tax protest is May 15, 2026 (or 30 days after your appraisal notice is mailed, whichever is later). There are no extensions.

How much can I save by appealing my property taxes?

Texas homeowners who appeal save an average of $774 per year. Success rates range from 80-91% when homeowners bring comparable sales evidence.

What percent of homes in ZIP 32404 are overassessed?

40.9% of homes in Panama City ZIP 32404 (6,459 of 15,804 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 Panama City ZIP 32404?

File Form DR-486 with the Bay 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.

Bay County · Panama City

ZIP 32404 property tax overassessment report

40.9% of homes in Panama City ZIP 32404 (6,459 of 15,804 parcels) are assessed more than 10% above what comparable-size homes in the same ZIP typically pay per square foot. Combined annual overpayment: $3,714,352.

Check your address →Bay County guide

15,804

Homes in ZIP

6,459

Flagged as overassessed

40.9%

$66,868

Avg overage / home

$216,735

Typical value

~$105/sqft

Your Bay County deadline

TRIM mailing: Aug 17, 2026 · VAB petition due: Sept 11, 2026

Bay filing guide →

Top 25 most overassessed homes in 32404

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
5XXX E HWY 98 BUS	3,252	1955	$1,902,097	$341,460	$1,560,637	457%	$13,421
6XXX YACHT CLUB DR	4,502	2007	$1,562,557	$472,710	$1,089,847	230.6%	$9,373
7XXX BOAT RACE RD	3,837	1985	$1,386,566	$402,885	$983,681	244.2%	$8,460
5XX MILLS LN	4,401	2001	$1,441,440	$462,105	$979,335	211.9%	$8,422
4XXX PRATT AVE	6,980	1990	$1,699,401	$732,900	$966,501	131.9%	$8,312
7XXX BOAT RACE RD	1,341	2002	$980,008	$140,805	$839,203	596%	$7,217
7XXX BOAT RACE RD	2,493	2009	$1,017,122	$261,765	$755,357	288.6%	$6,496
8XX VISTA DEL SOL LN	4,048	2008	$1,141,656	$425,040	$716,616	168.6%	$6,163
1XXX WEST ST	888	1953	$789,183	$93,240	$695,943	746.4%	$5,985
8XX VISTA DEL SOL LN	3,770	2018	$1,080,769	$395,850	$684,919	173%	$5,890
6XXX YACHT CLUB DR	5,319	2004	$1,235,078	$558,495	$676,583	121.1%	$5,819
1XXXX ALLANTON RD	3,670	2020	$1,046,764	$385,350	$661,414	171.6%	$5,688
1XXX PLANTATION DR	6,115	2006	$1,293,187	$642,075	$651,112	101.4%	$5,600
7XXX BOAT RACE RD	3,067	2003	$962,647	$322,035	$640,612	198.9%	$5,509
8XXX ED LEE RD	3,302	2008	$963,237	$346,710	$616,527	177.8%	$5,302
4XXX BREWTON WAY	6,010	2019	$1,246,765	$631,050	$615,715	97.6%	$5,295
1XXXX POSTON RD	2,546	1988	$881,844	$267,330	$614,514	229.9%	$5,285
8XX VISTA DEL SOL LN	5,264	2023	$1,130,467	$552,720	$577,747	104.5%	$4,969
7XXX LETOHATCHEE ST	2,424	1957	$799,947	$254,520	$545,427	214.3%	$4,691
4XXX SUNSET DR	4,787	2020	$1,046,072	$502,635	$543,437	108.1%	$4,674
7XXX COLERIDGE RD	6,178	2011	$1,184,577	$648,690	$535,887	82.6%	$4,609
7XXX RODGERS DR	6,727	2010	$1,238,809	$706,335	$532,474	75.4%	$4,579
7XXX RODGERS DR	3,680	1997	$871,235	$386,400	$484,835	125.5%	$4,170
4XXX DEER POINT COVE LN	3,799	2021	$872,297	$398,895	$473,402	118.7%	$4,071
4XXX SUNSET DR	3,970	1960	$883,750	$416,850	$466,900	112%	$4,015

Data: FL DOR 2025 Final NAL roll, Bay County, ZIP 32404. 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 BayCounty's TRIM notice mails this August, you'll have a $49 DR-486 packet ready to file with the VAB.

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